Regulatory Compliance Officer

Role: Regulatory Compliance OfficerDepartment: ComplianceReports to: Head of Regulatory ComplianceLocation: Abu Dhabi Global MarketFirm Type: ADGM Category 1 Retail Client Digital BankRole PurposeThe Regulatory Compliance Officer will support the implementation and ongoing operation of the Bank’s regulatory compliance framework, with particular focus on compliance monitoring, regulatory reporting/returns support, compliance registers, developing compliance management information, first line review of marketing documents and contributing to the review and/or development of compliance policies and procedure.The role holder will also support the Compliance Department in identifying practical opportunities to improve processes through technology, automation and responsible use of AI tools. The role is suited to a compliance professional with 3–5 years’ experience across regulatory compliance and AML within ADGM, DIFC or a comparable regulated financial services environment.Duties & ResponsibilitiesCompliance Monitoring and AssuranceSupport the implementation of the Bank’s Compliance Monitoring and Assurance Programme.Conduct scheduled compliance monitoring reviews in line with the annual compliance plan.Test the effectiveness of key regulatory controls across customer onboarding, disclosures, complaints, conduct risk, financial promotions, outsourcing, record keeping and governance processes.Document findings clearly, agree remedial actions with control owners and track actions to closure.Escalate material control weaknesses or overdue actions to the Head of Regulatory Compliance.Regulatory Returns and FilingsMaintain the regulatory reporting calendarSupport the timely preparation, review and submission of regulatory returns and notifications to the FSRA and other relevant authorities.Coordinate internally with Finance, Risk, Operations, AML and Senior Management to obtain required data.Maintain evidence of submissions, approvals and supporting documentation.Compliance RegistersMaintain accurate and up-to-date compliance registers, including:Gifts and Entertainment RegisterPersonal Account Dealing RegisterConflicts of Interest RegisterComplaints RegisterBreaches and Incidents RegisterRegulatory Correspondence RegisterTraining and Attestation RegisterMonitor entries for trends, overdue actions and potential escalation pPrepare periodic register summaries for Compliance MI.Compliance Management InformationPrepare the monthly Compliance Management Information PackCollate and analyse compliance metrics, including monitoring outcomes, regulatory filings, breaches, complaints, training completion, register activity, policy attestations and outstanding actionsIdentify themes, trends and emerging risks for management attentionAssist with preparation of the Quarterly Compliance Report for senior management, committees and the BoardMarketing and Financial Promotions ReviewConduct first-level Compliance review of marketing communications, website content, customer communications and campaign materialsAssess materials against applicable regulatory requirements, internal policies, customer fairness standards and approval proceduresMaintain records of reviewed materials, comments, approvals and version controlEscalate higher-risk or unclear matters to the Head of Regulatory Compliance before releaseAML/Financial CrimeProvide support on AML, sanctions, CDD, transaction monitoring and onboarding matters where requiredAssist with compliance reviews involving AML/CTF controls, customer due diligence and financial crime governanceEscalate potential AML/CTF, sanctions or conduct concerns to the appropriate Compliance/AML senior managerIdeal Candidate ProfileExperience3–5 years’ experience in regulatory compliance, AML or financial crime compliance.Experience within ADGM, DIFC or another well-regulated financial services jurisdictionExposure to banking, digital banking, fintech, payments, wealth management or investment services would be advantageousPractical experience with compliance monitoring, regulatory reporting, compliance registers, policy/procedure drafting and management informationGood understanding of AML, CDD, sanctions, complaints handling, conduct risk and financial promotions controlsFamiliarity with using AI, automation tools, workflow systems, dashboards or productivity technology to improve compliance processes would be advantageousQualificationsCompliance certification preferred, such as ICA, CISI, ACAMS or equivalentWillingness to undertake further professional compliance, AML or technology-related trainingSkills and CompetenciesStrong written English and ability to draft clear compliance reportsGood analytical skills and ability to identify control weaknesses.High attention to detail and strong record-keeping disciplineAbility to work with Business, Operations, AML, Risk, Finance and Technology teamsPractical understanding of compliance risk in a retail digital banking environment.Good judgement, professional skepticism and willingness to escalate issuesOrganised, deadline-driven and comfortable managing recurring reporting obligationsTechnologically curious, with the ability to identify practical improvements to compliance workflowsResponsible and risk-aware in the use of AI and technology, particularly in relation to confidentiality, data protection and information security.Preferred SkillsetThe preferred candidate should be a developing regulatory compliance professional with solid AML awareness, strong documentation skills and practical experience in a regulated financial services environment.The ideal profile is someone who has worked in ADGM or DIFC compliance, understands how regulated firms evidence compliance, and is comfortable handling operational compliance tasks while developing into a broader regulatory compliance specialist