Compliance Lead

As the Compliance Lead for Tabby in Saudi Arabia, you will be the driving force behind the development and execution of Tabby's compliance strategy and framework. Your primary responsibility will be to ensure full adherence to all relevant regulations, including SAMA guidelines and AML / CTF obligations, and the broader legal framework in the Kingdom of Saudi Arabia.

Key Responsibilities

Compliance Strategy & Framework :

Lead the development, implementation, and continuous improvement of Tabby’s compliance framework in Saudi Arabia, ensuring alignment with SAMA regulations and local laws.

Regulatory Engagement :

Act as the main point of contact with SAMA, manage inspections, audits, regulatory inquiries, and ensure compliance with all regulatory obligations, including licensing requirements.

AML / CTF Oversight :

Serve as the Money Laundering Reporting Officer (MLRO), ensuring robust anti‑money laundering and counter‑terrorism financing policies, suspicious transaction reporting, and sanctions compliance.

Governance & Reporting :

Develop and maintain compliance governance structures, including policies, monitoring, reporting, and escalation frameworks; oversee regulatory reporting, ensuring timely submission of all SAMA, ZATCA filings, disclosures, and prudential returns.

Risk Management :

Conduct periodic compliance and AML risk assessments, proactively identifying and mitigating key regulatory and financial crime risks to the business.

Strategic Advisory :

Provide strategic guidance to senior leadership on the compliance implications of new products, partnerships, and business models to ensure that growth initiatives are aligned with regulatory requirements.

Training & Awareness :

Drive compliance awareness across the organization by designing and delivering training programs, embedding compliance into day‑to‑day operations.

Cross‑Functional Collaboration :

Collaborate with teams across legal, risk, product, customer experience, operations, and finance to integrate compliance at every stage of product development and business operation.

Regulatory Insight :

Stay up‑to‑date with regulatory developments, including SAMA circulars and global best practices, and adapt policies and procedures to ensure ongoing compliance.

Skills, Knowledge & Expertise

8+ years in compliance, legal, or regulatory roles within financial services, fintech, or payments, including significant exposure to senior leadership responsibilities.

In‑depth knowledge of SAMA regulations, AML / CTF frameworks, sanctions compliance, KYC / CDD / EDD, transaction monitoring, data privacy, and consumer protection.

Proven track record in managing direct relationships with SAMA and other regional regulators, with strong leadership and people management skills and the ability to influence and engage senior stakeholders across the organization.

Extensive understanding of BNPL, digital payments, e‑wallets, and fintech operations in Saudi Arabia.

Previous experience serving as a Compliance Officer / MLRO or equivalent for a regulated financial institution.

Bachelor’s or Master’s degree in Law, Finance, Business Administration, or a related field; professional certifications such as CAMS, CCO, or ICA are preferred.

Bilingual proficiency in Arabic and English is essential.

About Tabby Tabby creates financial freedom in the way people shop, earn, and save, by reshaping their relationship with money. The company’s flagship offering allows shoppers to split their payments online and in‑store with no interest or fees. Over 32,000 global brands and small businesses, including Amazon, Noon, IKEA, and Shein, use Tabby to accelerate growth and gain loyal customers by offering easy and flexible payments online and in stores.

Tabby has generated over $7 billion in transaction volume for its partner brands and has the highest rated, most reviewed, largest and fastest growing app of any fintech in the GCC region. Tabby launched operations in 2020 and has raised over $1 billion in equity and debt funding from global and regional investors.

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