Kody

Payment processing for cards and wallets

Product Compliance Specialist

Regulatory Compliance & EthicsConfirmed live in the last 24 hours

Full-timeLondon, UKNo salary listedIn-person

About the Job

Requirements

Three to six or more years of experience in product compliance, regulatory technology, or compliance engineering within a regulated fintech, payment service provider, payment gateway, or card acquirer.
Ability to read API documentation, understand data flows, and translate regulatory policies into technical architecture and user experience requirements.
Solid understanding of modern payment mechanisms, especially Open Banking or Pay-by-Bank, QR payments, point-of-sale card acquiring, and SEPA, Faster Payments, or FPS.
Strong familiarity with UK and European regulatory frameworks, including FCA, PSD2/SCA, and Consumer Duty, and Hong Kong standards, including HKMA Open API/SVF expectations, AMLO, and PDPO.
Full professional proficiency in English.

Responsibilities

Serve as the dedicated compliance partner to Product and Engineering squads, assessing new payment features, point-of-sale terminal flows, and software integrations from day one.
Translate UK FCA requirements, PSRs, Consumer Duty, EU PSD2/PSD3, Strong Customer Authentication, Hong Kong Monetary Authority guidelines, Open API framework, and FPS rules into practical technical user stories, API designs, and user experience requirements.
Design and optimize digital, automated merchant onboarding (KYB/CDD) journeys that balance compliance controls with minimal drop-off rates.
Partner with data and engineering teams to integrate identity verification, fraud screening, and entity registry lookup tools into the onboarding stack.
Ensure payment rails comply with international card scheme mandates, open banking protocols, and acquiring partner standards.
Manage compliance for hardware point-of-sale deployments and payment software, ensuring alignment with PCI-DSS and security expectations.
Evaluate compliance frameworks for new payment methods, multi-currency pricing, and cross-border settlement between Europe and Hong Kong.
Oversee merchant-facing documentation, fee transparency, disclosure notices, terms of service, and privacy policies under UK/EU GDPR and Hong Kong PDPO.

Desired Qualifications

Working proficiency in Cantonese or Mandarin for cross-regional collaboration.

Product Compliance Specialist

Kody · London, United Kingdom · — · Posted 2026-10-28

Workplace: on_site

Description

About Kody

Kody is a high-growth FinTech company revolutionizing in-person and digital commerce across hospitality and retail. Kody empowers merchants to scale effortlessly across borders. We are expanding our next-generation payment infrastructure globally.

Role Overview

We are looking for a forward-thinking Product Compliance Manager to bridge the gap between financial regulations and cutting-edge product design across both our UK/European and Hong Kong markets.

In this role, you will champion "Compliance-by-Design," embedding regulatory integrity into the product development lifecycle from ideation to deployment. You will collaborate directly with Product Managers, Engineers, and Commercial teams to design frictionless, fully compliant user journeys for POS solutions, Open Banking / Pay-by-Bank workflows, and cross-border settlement rails.

Key Responsibilities

Compliance-by-Design & Product Advisory:
Serve as the dedicated compliance partner to Product and Engineering squads, assessing new payment features, POS terminal flows, and software integrations from day one.
Translate complex regulatory mandates (e.g., UK FCA requirements, PSRs, Consumer Duty, EU PSD2/PSD3, Strong Customer Authentication/SCA) and Hong Kong standards (HKMA guidelines, Open API framework, FPS rules) into practical technical user stories, API designs, and UX requirements.
Frictionless KYB & Merchant Onboarding:
Design and optimize digital, automated Merchant Onboarding (KYB/CDD) journeys that balance robust compliance with minimal drop-off rates.
Partner with data and engineering teams to integrate compliance tooling (identity verification, fraud screening, entity registry lookups) into our onboarding stack.
Scheme & Partner Alignment:
Ensure all payment rails adhere to international card scheme mandates (Visa, Mastercard, Amex), open banking protocols, and acquiring partner standards (e.g., Adyen, Stripe).
Manage compliance for hardware POS deployments and payment software, ensuring alignment with PCI-DSS and security expectations.
Cross-Border Expansion & Consumer Protection:
Evaluate compliance frameworks for new payment methods, multi-currency pricing, and cross-border settlement between Europe and Hong Kong.
Oversee merchant-facing documentation, fee transparency, disclosure notices, terms of service (T&Cs), and privacy policies (UK/EU GDPR and HK PDPO).

Requirements

Experience: 3–6+ years in Product Compliance, Regulatory Technology (RegTech), or Compliance Engineering within a regulated FinTech, PSP, payment gateway, or card acquirer.
Technical & Product Fluency: Proven ability to read API docs, understand data flows, and translate regulatory policies into technical architecture and UI/UX requirements.
Payments & Open Banking Expertise: Solid understanding of modern payment mechanisms—especially Open Banking / Pay-by-Bank, QR payments, POS card acquiring, and SEPA/Faster Payments/FPS.
Dual-Market Knowledge: Strong familiarity with UK/European regulatory frameworks (FCA, PSD2/SCA, Consumer Duty) and Hong Kong standards (HKMA Open API/SVF expectations, AMLO, PDPO).
Problem-Solver Mindset: Business-enabler attitude; thrives on finding compliant "how we can" pathways rather than simply saying "no".
Languages: Full professional English proficiency; working proficiency in Cantonese or Mandarin is a strong asset for cross-regional collaboration.

Benefits

- Highly Collaborative & Empowering Culture: Work alongside ambitious, passionate, and supportive teammates across offices. We embrace open communication, flat hierarchies, and high-trust collaboration where your voice genuinely shapes product decisions.

- A High-Growth, Promising Venture: Join us at an inflection point. As a fast-scaling FinTech rewiring global commerce, we offer massive room for career growth, meaningful ownership, and the opportunity to build the future of omni-channel payments across Europe and Asia.

- Highly Competitive Compensation: We offer an attractive remuneration package designed to reward high-impact contributors.

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About the Company

Kody

Payment processing for cards and wallets

Kody provides a payment processing platform that helps businesses accept multiple payment methods—cards, digital wallets, and open banking—through a single system. Its product lineup includes the KodyPOS terminal, a mobile app for iOS and Android, and KodyOrder, which lets hospitality customers order and pay at their tables. The platform also includes a content management system (CMS) for merchants to manage transactions, menus, discounts, and settings. Kody earns revenue through transaction fees charged to merchants for each payment processed. It targets a broad range of customers from SMEs to larger enterprises in retail and hospitality. The company’s goal is to simplify accepting and handling payments while providing operational tools through one integrated platform.

Company size: 51-200
Company stage: Series A
Total funding: $30.9M
Headquarters: York, United Kingdom
Founded: 2018

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