legal counsel

mortgage advisor

service advisor

implementation consultant

legal consultant

compliance advisor

TXM Solutions

<div>
 
 
 Position Overview
 
 
 
 We are seeking a highly experienced and strategic
 
 Complaints Handling &ndash; Legal Advisor
 
 to join our bank&rsquo;s leadership team. This senior position plays a critical role in overseeing all legal and compliance aspects related to customer and merchant complaints across our full suite of payment solutions, including card payments, digital wallets, merchant services, wire transfers, and alternative payment methods.
 
 
 The ideal candidate will have strong expertise in banking compliance, a thorough understanding of regulatory frameworks, and a proven background in managing complex complaint cases within the financial sector. This role requires a proactive professional who ensures full adherence to legal and regulatory requirements while driving process improvements to reduce future risk and enhance customer experience.
 
 
 
 
 
 
 Key Responsibilities
 
 
 
 
 
 
 
 Complaint Management
 
 
 <ul>
 <li>
 Lead the intake, assessment, investigation, and resolution of all client complaints across payment channels.
 </li>
 <li>
 Ensure complaints are addressed within regulatory timelines and in accordance with internal policies as well as the specific requirements of referring financial institutions.
 </li>
 <li>
 Serve as the primary escalation point for complex or high-risk complaint cases.
 </li>
 </ul>
 
 
 Compliance Oversight
 
 
 <ul>
 <li>
 Monitor and enforce compliance with local and international banking regulations, particularly those governing payment processing, consumer protection, and AML/CFT obligations.
 </li>
 <li>
 Collaborate with internal stakeholders (Operations, Customer Service, Risk, etc.) to maintain complaint-handling processes that are compliant, efficient, and customer-focused.
 </li>
 </ul>
 
 
 Legal Advisory
 
 
 <ul>
 <li>
 Provide expert legal guidance on consumer rights, merchant agreements, payment regulations, and regulatory expectations.
 </li>
 <li>
 Draft and review legal correspondence, position papers, and responses to regulators or legal claims stemming from customer complaints.
 </li>
 </ul>
 
 
 Policy &amp; Process Improvement
 
 
 <ul>
 <li>
 Develop, implement, and enhance policies and procedures to strengthen the complaints management function and ensure regulatory compliance.
 </li>
 <li>
 Analyze complaint trends and root causes to propose and execute preventive actions and systemic improvements.
 </li>
 </ul>
 
 
 
 
 
 Qualifications &amp; Experience
 
 
 <ul>
 <li>
 Minimum
 
 4&ndash;5 years of experience
 
 in legal or compliance roles within the banking or financial services sector, with a focus on payment services and complaint handling.
 </li>
 <li>
 Strong understanding of relevant banking regulations, including consumer protection laws, PSD2, EMI/PI regulations, AML/CFT laws, and applicable local regulatory frameworks.
 </li>
 <li>
 Proven experience handling client complaints, conducting investigations, and responding to regulatory inquiries.
 </li>
 <li>
 Prior experience interacting with regulatory authorities is highly desirable.
 </li>
 </ul>
 
 
</div>

Complaints Handling – Legal Advisor

LikeCard

<div>
 Job Purpose
 
 
 This role is critical for safeguarding the company's integrity and operational license, ensuring we not only meet but exceed our regulatory obligations across the multiple jurisdictions we operate in. You will be responsible for implementing compliance frameworks, conducting monitoring and testing, and serving as a trusted advisor to the business on a wide range of compliance matters,
 
 
 Duties and Responsibilities
 
 <ul>
 <li>
 - Continuously monitor, analyse, and interpret new and existing laws, regulations, and circulars from central banks, financial regulatory authorities, telecom regulators, and data protection bodies.
 
 </li>
 <li>
 - Translate complex regulatory requirements into actionable, business-friendly policies, procedures, and controls for internal teams (e.g., Operations, Product, Marketing, Finance).
 
 
 </li>
 <li>
 - Provide real-time, practical compliance advice to business units on new product launches, marketing campaigns, and partnership agreements (specifically with telecom and banks).
 
 
 </li>
 <li>
 - Maintain the company's internal compliance portal/intranet, ensuring all teams have access to the latest versions of policies and regulatory updates.
 
 
 </li>
 <li>
 - Coordinate with Risk Dpt. To develop and execute a comprehensive, risk-based compliance monitoring plan, conduct periodic testing and audits of key compliance controls (e.g., KYC checks, transaction monitoring rules, partner onboarding) to ensure their effectiveness
 
 
 </li>
 <li>
 - Prepare detailed reports on monitoring findings, including root cause analysis, and track the implementation of corrective actions by process owners.
 
 
 </li>
 <li>
 - Coordinate with HR Dpt. To develop and deliver targeted, engaging compliance training modules to employees, with specialized sessions for high-risk teams like Sales, Customer Support, and Product.
 
 
 </li>
 <li>
 - Create and disseminate "Compliance Flash" memos to communicate urgent regulatory changes or internal policy updates.
 
 
 </li>
 <li>
 - Coordinate with Commercial Dpt. To participate in the compliance due diligence of potential and existing partners (telecom, banks, payment gateways, merchants).
 
 
 </li>
 <li>
 Prepare standardized and ad-hoc compliance reports for management, the Board of Directors, and relevant regulators as required.
 
 
 
 
 </li>
 </ul>
 Requirements
 
 
 
 
 
 Education:
 
 
 
 
 
 Bachelor&rsquo;s degree in law, Finance, Business Administration, or a related field. A master&rsquo;s degree or professional certification is a significant plus.
 
 
 
 
 Courses and Certifications:
 
 
 
 
 
 
 
 Years of Experience:
 
 
 
 
 
 Minimum of 4 years of dedicated compliance experience.
 
 
 
 
 
 Preferred Industry Experience:
 
 
 
 
 
 fintech, payment institution, e-commerce platform, bank, or telecom company.
 
 
 
 
 
 Technical Skills:
 
 
 
 
 <ul>
 <li>
 Customer Due Diligence (CDD/KYC)
 
 </li>
 <li>
 Ability to operate a transaction monitoring system
 
 </li>
 <li>
 Suspicious Activity Reporting (SAR)
 
 </li>
 <li>
 Use screening tools (e.g., World-Check, LexisNexis Bridger) to screen customers and partners against global sanctions lists and PEP databases.
 
 </li>
 </ul>
 
 
 
 Soft Skills:
 
 
 
 
 <ul>
 <li>
 Exceptional ability to analyze large volumes of data and legal text to identify risks and propose solutions.
 
 </li>
 <li>
 Meticulous Attention to Detail.
 
 </li>
 <li>
 Excellent written and verbal communication skills.
 
 </li>
 <li>
 Integrity &amp; Discretion.
 
 </li>
 <li>
 Risk-Based Mindset
 
 </li>
 </ul>
 
 
 
 Computer Skills:
 
 
 
 
 <ul>
 <li>
 Proficiency in Microsoft Office Suite
 
 </li>
 <li>
 Transaction Monitoring Systems
 
 </li>
 <li>
 General Tech &amp; Platform Savviness
 
 </li>
 </ul>
 
 
 
 Language Skills:
 
 
 
 
 <ul>
 <li>
 Fluent in English (written &amp; spoken) is a must
 
 </li>
 <li>
 Fluent in Arabic (written &amp; Spoken) is a must
 
 </li>
 </ul>
</div>

Compliance Specialist

<div><div>We help the world run better 
At SAP, we keep it simple: you bring your best to us, and we'll bring out the best in you. We're builders touching over 20 industries and 80% of global commerce, and we need your unique talents to help shape what's next. The work is challenging &ndash; but it matters. You'll find a place where you can be yourself, prioritize your wellbeing, and truly belong. What's in it for you? Constant learning, skill growth, great benefits, and a team that wants you to grow and succeed.</div><div></div> 
ROLE DESCRIPTION:
SAP's Office of Ethics and Compliance (OEC) is seeking a Field Compliance Officer to support our operations in its MEA South and Southern Europe regions. This role is responsible for developing and operating SAP Compliance programs in these markets, including support for the SAP Code of Ethics and Business Conduct and related compliance practices and policies. The focus will be on applicable bribery and corruption laws, serious fraud, conflicts of interest, and ensuring adherence to regulatory requirements in the region. 
EXPECTATIONS AND TASKS:
The successful candidate will be expected to take ownership in managing the dynamic compliance landscape in the region, with support and guidance from the EMEA and Global OEC Leadership.
Key responsibilities include:<ul><li>
Provide expert advice on compliance matters relating to SAP's entities in the region, ensuring compliance principles are adhered to in management decision-making.</li><li>
Serve as a trusted advisor to the Leadership in in the region.</li><li>
Administer, prepare, run &amp; follow up on local Compliance Committees in accordance with regional regulatory requirements.</li><li>
Support the drafting of policies and conduct training on compliance topics, including avoidance of bribery and corruption, handling confidentiality and conflicts of interest, doing business with government customers, fraud prevention, and other relevant areas.</li><li>
Provide compliance oversight on sales activities: work with business units to vet and validate sales, marketing, third-party transactions, and presales opportunities.</li><li>
Review and analyze Due Diligence for Partners and third parties.</li><li>
Review sponsorships, donations, and memberships.</li><li>
Support Compliance Investigations &amp; manage Consequence Management.</li><li>
Maintain expert level knowledge of the U.S. Foreign Corrupt Practices Act (FCPA).</li><li>
Stay substantively up to date on relevant laws and regulations in the region, including those related to white-collar crime, criminal law, GDPR, data privacy, and sanctions.</li><li>
Follow up on risk mitigation processes.</li><li>
Track and report compliance issues and KPIs to OEC management on a periodic basis.</li><li>
Collaborate with other Field Compliance Officers supporting the UK, France, Benelux, Southern Europe, Middle East, and Africa.</li><li>
The position reports to the Regional Compliance Officer EMEA and will be based in SAP's offices in Dubai, Casablanca, Riyadh or Lisbon.</li><li>
Occasional travel may be required.</li></ul> 
WORK EXPERIENCE:<ul><li>
Minimum 5-7 years of work experience in compliance, with a focus on the region.</li><li>
Corporate compliance department and/or law or audit firm experience highly desired.</li><li>
Advanced experience with the U.S. FCPA and regional business laws and regulations, particularly in areas related to compliance, white-collar crime, and criminal law.</li><li>
Experience in public sector and government compliance preferred.</li></ul> 
EDUCATION AND QUALIFICATION / SKILLS AND COMPETENCIES:<ul><li>
Fluent business and legal English, Arabic, French and Portuguese (both verbal and written).</li><li>
Accredited lawyer or other experienced compliance professional (preferably with legal background).</li><li>
Certification as a Certified Compliance Professional by the SCCE or certification by the ACFE is highly beneficial.</li><li>
Hands-on with extreme attention to detail and written documentation.</li><li>
Strong grasp of codes of conduct, business ethics policies, and current compliance practices.</li><li>
Experience handling compliance investigations highly desirable.</li><li>
Demonstrated ability to navigate complex issues and manage senior leadership in dynamic environments.</li><li>
Expertise in risk-based decision making.</li><li>
Experience in the areas of detection and prevention of fraud or corruption.</li><li>
Excellent understanding of the Italian government structure and public procurement processes.</li><li>
Strong knowledge of GDPR and data privacy regulations.</li><li>
Project Management experience is highly desirable.</li><li>
Very good communication and collaboration skills.</li><li>
Comfortable in MS office tools and IT business environment.</li><li>
Previous experience in the IT industry is preferable.</li></ul><div> 
Bring out your best 
SAP innovations help more than four hundred thousand customers worldwide work together more efficiently and use business insight more effectively. Originally known for leadership in enterprise resource planning (ERP) software, SAP has evolved to become a market leader in end-to-end business application software and related services for database, analytics, intelligent technologies, and experience management. As a cloud company with two hundred million users and more than one hundred thousand employees worldwide, we are purpose-driven and future-focused, with a highly collaborative team ethic and commitment to personal development. Whether connecting global industries, people, or platforms, we help ensure every challenge gets the solution it deserves. At SAP, you can bring out your best.
 
 
We win with inclusion 
SAP&rsquo;s culture of inclusion, focus on health and well-being, and flexible working models help ensure that everyone &ndash; regardless of background &ndash; feels included and can run at their best. At SAP, we believe we are made stronger by the unique capabilities and qualities that each person brings to our company, and we invest in our employees to inspire confidence and help everyone realize their full potential. We ultimately believe in unleashing all talent and creating a better world. 
 
SAP is committed to the values of Equal Employment Opportunity and provides accessibility accommodations to applicants with physical and/or mental disabilities. If you are interested in applying for employment with SAP and are in need of accommodation or special assistance to navigate our website or to complete your application, please send an e-mail with your request to Recruiting Operations Team: Careers@sap.com. 
 
For SAP employees: Only permanent roles are eligible for the SAP Employee Referral Program, according to the eligibility rules set in the SAP Referral Policy. Specific conditions may apply for roles in Vocational Training. 
 
Qualified applicants will receive consideration for employment without regard to their age, race, religion, national origin, ethnicity, gender (including pregnancy, childbirth, et al), sexual orientation, gender identity or expression, protected veteran status, or disability, in compliance with applicable federal, state, and local legal requirements. 
 
Successful candidates might be required to undergo a background verification with an external vendor.</div><div></div><div> 
AI Usage in the Recruitment Process</div><div>
For information on the responsible use of AI in our recruitment process, please refer to our Guidelines for Ethical Usage of AI in the Recruiting Process.
</div>Please note that any violation of these guidelines may result in disqualification from the hiring process. 
 
Requisition ID: 433947 | Work Area: Administration | Expected Travel: 0 - 10% | Career Status: Professional | Employment Type: Regular Full Time | Additional Locations: #LI-Hybrid</div>

Lead Senior Legal Counsel

Emirates NBD

<div>About ENBD
Emirates NBD is a market leader across the MENAT (Middle East, North Africa and T&uuml;rkiye) region with a presence in 13 countries, serving over 9 million customers. Emirates NBD is the leading financial services brand in the UAE with a Brand value of approximately USD 4 billion. We serve our customers and help them realise their financial objectives through a range of banking products and services including retail banking, corporate &amp; institutional banking, Islamic banking, investment banking, private banking, asset management, global markets and treasury, and brokerage operations. We are a key participant in the global digital banking industry, with 97% of all financial transactions and requests conducted outside of our branches. We also operate Liv, the lifestyle digital bank by Emirates NBD. With over half a million users, it continues to be the fastest-growing digital bank in the region.
In line with the UAE Government&rsquo;s strategy in empowering and developing nationals, Emirates NBD is committed to welcoming the young generation into an innovative, modern and supportive work environment to contribute to the nation's success. We are looking to find the best UAEN talent to join our ENBD family. 
Job Overview:
As a Compliance Officer at Emirates NBD, your role is Support the reporting line manager and team in the timely review of all new accounts being on-boarded. Assist in all the periodic reviews of existing accounts, maintaining different reports for MI purposes, follow up on any client documentation issues, support in collating information for updating policies and guidelines and for maintaining files for record keeping 
Key Responsibilities:
<ul><li>Review all high-risk accounts assigned for potential money laundering risks or concerns and provide accurate feedback / approval to the concerned branch / business unit within the agreed TAT
</li><li>Review new account opening applications for PEP in line with Group PEP Policy and UAE Central Bank Guidelines. Maintain a PEP register.Liaising with the relevant business units and other stake holders for completing the annual review of PEP relationships.
</li><li>Collate information from the AML Team members and provide an accurate MI to the AML Manager / Head of Compliance as and when required.
</li><li>Review/Assess and provide feedback to the WorldCheck referrals received from the business units on their customer&rsquo;s information.
</li><li>Review and provide feedback to all RMA and Correspondent Banks Account Opening requests received from IIB unit within the agreed TAT
</li>Review the existing relationship from AML and Sanction perspective and provide our feedback 
<li>
</li></ul>Skills and Experience:
<ul><li>Bachelors Degree
</li><li>At least 3 years of experience in Banking Compliance
</li><li>Understanding of UAE Central Bank regulations related to AML and Compliance
</li><li>Knowledge and understanding of the organization&rsquo;s products and services including their legitimate uses and their laundering vulnerabilities.
</li>Analytical and Research Skills 
<li>
</li></ul>There&rsquo;s never been a better time to join Emirates NBD.
We&rsquo;re one of the region&rsquo;s most recognisable brands. We&rsquo;re banking innovation leaders. We&rsquo;re growing across both the UAE and our global offices. We offer a huge range of professional development opportunities to accelerate your career. It also goes without saying that we provide extremely competitive rewards, benefits and perks too, like our flexible work policy so you can work from home whenever it suits. 
At ENBD, we encourage interested candidates to review the key responsibilities and qualifications for each role and apply for positions that match their skills and capabilities.</div>

Compliance Officer (UAEN Only)

Emirates Islamic

Holistic Legacy Accounting (S.P.S. LLC)

Job Title: Compliance Sales Representative.Location: (Unannounced Branch) Dubai &amp; AjmanSalary and Benefits: Basic salary starts from AED 3,000 or commensurate with experience, plus attractive sales commissions, health insurance, and paid annual leave.Job SummaryThis role involves representing &quot;Holistic Legacy&quot; inside the branch, and the incumbent will be responsible for selling the company&rsquo;s core services (Taxation and Accounting) to walk-in clients. The ideal candidate must possess an accounting background to effectively sell the Guarantee and Quality of our services, focusing on the critical importance of tax compliance.Key Tasks and ResponsibilitiesDirect Sales and Relationship Building: The representative focuses on professionally welcoming walk-in clients and converting their inquiries into direct sales contracts for VAT, Corporate Tax, and Bookkeeping services. They must build strong, articulate relationships to support the branch's sales targets (90% focused on tax services).Initial Compliance and Quality Assurance: The candidate will utilize their accounting background to provide quick, persuasive initial advice, explaining the risks of escalating penalties (VAT/CT) and emphasizing the necessity of compliance. They will also serve as the initial point of contact for customer and service data entry into the CRM system before transferring files to the audit team.Essential QualificationsFluent in both Arabic and English (conversation and sales).Background in Accounting or Finance, with strong interpersonal and relationship-building skills.We are looking for someone who sells quality and guarantee, not just price.Job Type: Full-timeExperience: Accounting &amp; Tax in UAE: 2 years (Required)Job Type: Full-timePay: AED2,500.00 - AED3,500.00 per month

Compliance Sales Representative

Job SummaryThis role involves representing &quot;Holistic Legacy&quot; inside the branch, and the incumbent will be responsible for selling the company&rsquo;s core services (Taxation and Accounting) to walk-in clients. The ideal candidate must possess an accounting background to effectively sell the Guarantee and Quality of our services, focusing on the critical importance of tax compliance.Key Tasks and ResponsibilitiesDirect Sales and Relationship Building: The representative focuses on professionally welcoming walk-in clients and converting their inquiries into direct sales contracts for VAT, Corporate Tax, and Bookkeeping services. They must build strong, articulate relationships to support the branch's sales targets (90% focused on tax services).Initial Compliance and Quality Assurance: The candidate will utilize their accounting background to provide quick, persuasive initial advice, explaining the risks of escalating penalties (VAT/CT) and emphasizing the necessity of compliance. They will also serve as the initial point of contact for customer and service data entry into the CRM system before transferring files to the audit team.Essential QualificationsFluent in both Arabic and English (conversation and sales).Background in Accounting or Finance, with strong interpersonal and relationship-building skills.We are looking for someone who sells quality and guarantee, not just price.Job Type: Full-timeExperience: Accounting &amp; Tax in UAE: 2 years (Required)Job Type: Full-timePay: From AED2,500.00 per month

Compliance Sales Representative.

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