Compliance Manager (Fintech)

Location: Stockholm, Sweden; hybrid work with most teams meeting in the office 2–3 days per week

Salary: SEK 972,659–1,108,832 per year

Company

Klarna is building an everyday finance network serving more than 120 million consumers across 26 countries.

What you will do

• Oversee debt collection practices, including treatment of customers in financial difficulty, outsourced collection, and debt sales.
• Review third-party and outsourcing arrangements, covering due diligence, contracts, monitoring, and exit planning.
• Track PSD2, PSD3, the Payment Services Regulation, and related national requirements, translating them into internal standards and controls.
• Design and analyse compliance metrics to identify trends, anomalies, regulatory risks, process weaknesses, and potential breaches.
• Advise operational teams, senior stakeholders, product teams, and partners on regulatory requirements for new products, partnerships, and white-label arrangements.
• Support regulator, examiner, and auditor interactions; deliver training and prepare compliance reports for senior management and the board.

Requirements

• At least 5 years of experience in compliance, risk management, internal audit, or control functions, preferably in fintech.
• Knowledge of EU or Member State consumer debt collection requirements, including third-party collection and debt sale.
• Experience with third-party risk and outsourcing requirements for regulated firms, including EBA outsourcing guidelines.
• Knowledge of PSD2 and awareness of the development of PSD3 and the Payment Services Regulation.
• Fluent English and the ability to translate legal concepts into operational practice.
• Experience managing cross-functional projects, handling multiple priorities, and working accurately under tight deadlines.

Nice to have

• Knowledge of German regulatory requirements, experience with BaFin, or German language ability.
• Experience with the Swedish Financial Supervisory Authority or other EU regulators, particularly in regulatory examinations or remediation.
• Knowledge of the second Consumer Credit Directive (CCD2).

Culture & Benefits

• Co-located teams typically meet in the office 2–3 days per week, depending on the team.
• Work with diverse skills, perspectives, and backgrounds.
• Final compensation reflects qualifications, skills, and experience.
• Applications require a CV in English.