Compliance Officer (Saudi Nationals Only)
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Key skills for this role
About the Role
Soum seeks a Compliance Officer to support regulatory compliance for its SAMA-regulated auto-financing platform. The role involves AML/KYC, policy maintenance, consumer protection, and operational compliance.
Key Skills for This Role
Responsibilities
- Assist in managing compliance obligations across AML, KYC, consumer protection, and Fair Credit Terms aligned to SAMA frameworks
- Support the preparation of regulatory submissions, examination responses, and licensing milestone documentation
- Monitor regulatory updates from SAMA and assist in translating changes into internal policy adjustments
- Help ensure credit products, marketing materials, and customer communications meet regulatory standards prior to launch
- Maintain and update compliance policies, procedures, and control documentation under the guidance of the CCO
- Support the compliance risk register, control matrices, and exception tracking workflows
- Contribute to the company’s AML/CFT programme, including transaction monitoring, suspicious activity reporting, and sanctions screening processes
- Assist in ensuring all lending products adhere to SAMA’s consumer protection and Fair Credit Terms requirements
- Support the complaint management and resolution process in line with SAMA standards
- Review customer facing disclosures, contracts, and fee structures for regulatory accuracy
- Embed compliance controls into day to day operations and product workflows with guidance from the CCO
- Deliver compliance training and awareness sessions for internal teams
Requirements
- 3–5 years of experience in compliance, regulatory affairs, or related role within financial services, fintech, or banking
- Foundational understanding of SAMA’s regulatory framework, including AML/KYC, consumer lending, and data governance
- Saudi national
- Full professional fluency in both Arabic and English
- Strong attention to detail, organizational skills, and proactive work ethic
- Experience in fintech, BNPL, digital lending, or auto financing environment preferred
- Exposure to SAMA Sandbox compliance or licensing processes preferred
- Familiarity with Open Banking or data sharing compliance in KSA preferred
- Professional certifications: CAMS, ICA, or equivalent (in progress or completed) preferred
Full Job Posting
About the Role
- We are looking for a motivated and detail oriented Compliance Officer to join the regulatory and compliance team of our auto financing platform. As a SAMA regulated fintech, compliance is central to everything we do — and this role sits right at the heart of it.
- This is a hands on position suited for an early career compliance professional who is eager to grow within a fast moving fintech environment. You will support the implementation and day to day operation of our compliance frameworks, working closely with the CCO and cross functional teams.
Key Responsibilities
- Assist in managing compliance obligations across AML, KYC, consumer protection, and Fair Credit Terms aligned to SAMA frameworks.
- Support the preparation of regulatory submissions, examination responses, and licensing milestone documentation.
- Monitor regulatory updates from SAMA and assist in translating changes into internal policy adjustments.
- Help ensure credit products, marketing materials, and customer communications meet regulatory standards prior to launch.
- Maintain and update compliance policies, procedures, and control documentation under the guidance of the CCO.
- Support the compliance risk register, control matrices, and exception tracking workflows.
- Contribute to the company’s AML/CFT programme, including transaction monitoring, suspicious activity reporting, and sanctions screening processes.
- Assist in ensuring all lending products adhere to SAMA’s consumer protection and Fair Credit Terms requirements.
- Support the complaint management and resolution process in line with SAMA standards.
- Review customer facing disclosures, contracts, and fee structures for regulatory accuracy.
- Embed compliance controls into day to day operations and product workflows with guidance from the CCO.
- Deliver compliance training and awareness sessions for internal teams.
Qualifications & Experience
- 3–5 years of experience in compliance, regulatory affairs, or a related role within financial services, fintech, or banking.
- Foundational understanding of SAMA’s regulatory framework, including AML/KYC, consumer lending, and data governance requirements.
- Saudi national — required.
- Full professional fluency in both Arabic and English is mandatory for this role.
- Strong attention to detail, organisational skills, and a proactive work ethic.
- Experience in a fintech, BNPL, digital lending, or auto financing environment preferred.
- Exposure to SAMA Sandbox compliance or licensing processes preferred.
- Familiarity with Open Banking or data sharing compliance in KSA preferred.
- Professional certifications: CAMS, ICA, or equivalent (in progress or completed) preferred.
Culture & What We’re Looking For
- Takes ownership and follows through without being chased.
- Is genuinely curious about regulation and wants to understand the ‘why’ behind every rule.
- Communicates clearly and confidently across teams and seniority levels.
- Thrives in a fast paced, startup environment where priorities can shift quickly.
- Has a collaborative spirit and contributes positively to the team culture.
- Is committed to doing things the right way — not just the easy way.
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