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Risk & Compliance

Payments, Risk & Compliance Manager — Living

Madrid, Spain — Hybrid
Full-time
Risk & Compliance
€45,000–€60,000 gross base, depending on experience

We are looking for someone who can make regulation and risk operationally useful. You will help ensure that UrbanPay's controls and workflows can support clients managing large Living portfolios and collectively generating more than €100 million in monthly transaction volume. You might currently work in legal, compliance, risk, treasury or finance within a Living operator, asset manager, hospitality group, regulated platform or payment business. Your role will be to ensure UrbanPay's workflows are robust, understandable and commercially practical across different real-estate use cases and European markets.

What you will do

  • Design and maintain operational controls covering KYC, KYB, beneficial ownership, sanctions screening and ongoing monitoring.
  • Define appropriate journeys for residents, corporate tenants, parents, guarantors and other third-party payers.
  • Work with UrbanPay's regulated payment, identity and electronic-signature partners.
  • Translate requirements under PSD2, European Open Banking, AML, GDPR and eIDAS into clear product and operational requirements.
  • Review customer agreements, partner documentation, data-processing terms and product disclosures.
  • Support enterprise clients during legal, compliance, procurement and information-security reviews.
  • Analyse scenarios involving payment initiation, recurring monthly collections, third-party payers, missed payments and multi-entity portfolios.
  • Help clients understand how UrbanPay differs from cards, direct debit and conventional bank-transfer processes.
  • Maintain clear audit trails, policies and evidence for internal and external reviews.
  • Work closely with product and engineering so compliance is built into the workflow rather than added after launch.

What you bring

  • At least four years of experience in legal, compliance, risk, treasury or finance operations.
  • Experience in flex living, co-living, PBSA, BTR, residential, hospitality, real-estate investment or payments.
  • Working knowledge of some of the following: AML/KYC, PSD2, Open Banking, GDPR, eIDAS or regulated outsourcing.
  • The ability to explain complex requirements clearly to commercial, operational and technical teams.
  • A practical and proportionate approach to risk.
  • Strong written and spoken Spanish and English.
  • A degree in law, finance, economics, business or a related discipline.

Nice to have

  • Previous fintech experience is helpful, but direct knowledge of Living-sector contracts and operational risk is equally valuable.

What we offer

  • Shape the risk and compliance foundations of a European payments company from an early stage.
  • Work on real operational cases involving large portfolios and significant monthly transaction volumes.
  • Collaborate directly with founders, clients and regulated partners.
  • Develop expertise across real estate, payments and European regulation.
  • Help operators introduce stronger controls while reducing administrative work.