Senior Compliance Officer (Fintech)

A regulated fintech platform transfoming real estate investment through tokenization and fractional ownership . The platform connects investors with vetted, income-generating real estate opportunities, blending traditional real estate security with fintech innovation. With operations launching by mid-next year , the company is building a world-class team to lead the region’s move toward digital, transparent, and compliant real estate investment solutions. Position Summary

The Senior Compliance Officer will establish, lead, and oversee the company’s compliance and risk management framework in alignment with

CMA ,

SAMA , and

AML / CFT

regulations. This senior role ensures full regulatory readiness for licensing and ongoing operations, serving as the main liaison with Saudi regulators and the Board of Directors. Duties and Responsibilities

Regulatory Compliance

Act as the

Controlled Function – Compliance Officer

under the CMA Authorized Persons Regulations (APR). Lead the company’s regulatory licensing process through the

CMA FinTech Lab

and subsequent Authorized Person (AP) approval. Serve as the primary contact for

CMA ,

SAMA , and the

Financial Intelligence Unit (FIU) . Monitor regulatory changes and ensure continuous alignment with CMA circulars and guidelines. Oversee the registration of all controlled functions and notify CMA of any personnel or organizational changes. Compliance Framework & Risk Management

Develop and implement company-wide

compliance, AML / CFT, and governance frameworks . Conduct periodic risk assessments, internal reviews, and AML audits. Ensure investor onboarding, digital transactions, and fund flows comply with regulatory requirements. Supervise compliance procedures related to investor onboarding, suitability assessment, and ongoing monitoring of investor transactions to ensure full adherence to CMA regulations and AML standards. Collaborate with operational teams to ensure transparent investor communication and proper handling of compliance-related escalations. Manage investigations and report findings or breaches to the

Board

and

CMA . Training & Culture

Deliver training programs on

ethics, AML, sanctions, and compliance

to management and staff. Foster a culture of integrity, transparency, and compliance across all departments. Qualifications & Experience

Education Bachelor’s degree in

Law, Finance, Accounting, or Business . Master’s degree

or

ICA certification

preferred. Work Experience Minimum

5 years

of experience in

compliance, regulatory, or legal roles

within

financial services or fintech . Proven experience working with

CMA or SAMA-regulated institutions . Demonstrated ability to lead compliance frameworks and regulatory interactions. Required Skills Strong knowledge of

CMA regulations ,

AML / CFT laws , and

FinTech Lab standards . Excellent understanding of

governance, risk, and regulatory reporting frameworks . Strong leadership and stakeholder communication skills. High attention to detail and ethical judgment. Fluency in

Arabic and English

(written and verbal). Required Certifications CME-1B, CME-2A, and CME-2B

certifications required (exemptions apply for ICA Advanced Certificate holders). If not available, the company will

sponsor the required CMA certifications

before licensing. Reporting Line

Reports functionally to the

Board of Directors and administratively to the

Chief Executive Officer (CEO) .

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