Risk & Compliance Governance Officer

Job description

About Swan is Europe’s embedded banking specialist. We empower software companies to embed banking features like accounts, cards, and payments directly into their products, under their own brand.Swan processes over €1.5 billion in monthly transactions for more than 150 companies—like Pennylane, Indy, Agicap, Libeo, and Lucca. Founded in 2019, the company has received growth capital from leading investors such as Lakestar, Accel, Creandum, Bpifrance and Eight Roads. Swan is a principal member of Mastercard and a licensed financial institution, regulated by the French banking authority (ACPR). Our mission Banking belongs in business software Many software companies already serve small businesses incredibly well: helping them send invoices, run payroll, manage inventory, and more. They’re on a mission to become the central hub for managing every aspect of business life. But when it comes to financial workflows, there’s still a gap. Too many critical tasks like managing cash flow, tracking payments, or reconciling accounts happen outside the software, across spreadsheets, email threads, banking portals. It’s a missed opportunity. Business software shouldn’t just record financial activity — it should run it. To learn more about us: About Swan ; Our story . Job description Your primary mission is to support the Chief Risk Officer in ensuring the effectiveness of Swan's governance framework, regulatory oversight processes, and audit remediation programs. You'll act as the central coordinator for key management committees — the Risk Committee, Oversight Committee, and New Product Committee — and serve as the single source of truth for oversight activities across the organization. ✨ Main Responsabilities Own committee governance end-to-end — drive the agenda, coordinate inputs, prepare decision papers, and ensure rigorous follow-up on action items across the Risk, Oversight, and New Product Committees. Be the guardian of risk frameworks — keep the Risk Assessment Matrix, Risk Mapping, and Risk Appetite Framework accurate and up to date; monitor key risk indicators and emerging risks; and coordinate risk reporting for senior management. Ensure regulatory reporting stays on track — maintain a 360° view of all regulatory submissions, monitor quality and timeliness, track remediation commitments from supervisory reviews, and flag any breaches proactively. Drive audit remediation with rigor — act as the central point of contact for internal and regulatory audits, track action plans across all functions, challenge delays, and report on progress and residual exposure to management. Power executive decision-making — sitting at the crossroads of risk, compliance, audit, legal, and operations, you produce governance dashboards, trend analyses, and Board-ready briefings that give senior management and committees the sharp, decision-oriented view they need to act. ✨ Your team You'll report directly to the Chief Risk Officer, who oversees three complementary teams: Compliance (local regulatory officers and regulatory managers covering partner qualification and product assessments), FinCrime (KYC escalation, transaction monitoring, SAR filings), and Internal Control (second line of defense). Beyond your direct team, you'll collaborate closely with Legal, Finance, GTM, Product, Strategy, and Management — giving you a truly cross-functional seat at the table. Preferred experience ✨ You’re a great match if: You have managed cross-functional projects or remediation plans and know how to keep multiple stakeholders aligned. You have experience managing regulatory information requests, evidence collection, and responses to regulatory findings. You have a background in Risk, Compliance, Internal Audit, Operational Risk, or a Control function. You have experience in payments or e-money institutions. Our ideal teammate: Empathetic. Skilled. Frank. We love to challenge each other, and we leave our egos at the door. It's okay if you don't tick all the boxes — don't let imposter syndrome prevent you from applying! 🙌 Swan is committed to providing a caring work environment for all employees, regardless of age, sex, disability, sexual orientation, race, religion, or belief. When it comes to recruitment, we’re interested in your work experience, skills, and overall personality. Because diversity makes the workplace stronger and is necessary for Swan’s success, we are intensifying efforts to incorporate concrete actions to help us improve in this area. About Swan ✨ Perks of being a Swanee: Meal Vouchers: We provide a meal voucher card to cover your meals on work days. Holidays : 25 days + RTT 🏝️ Transport: Monthly mobility package for employees. In accordance with the company agreement for sustainable mobilities, you can now use your mobility package to pay for alternative commuting modes. 🚇 Health insurance (mutuelle) : Alan . This is Swan's health and welfare insurance. 🚑 Sports : Thanks to our partnership with Classpass and Gymlib , you can enjoy advantageous discounts on subscriptions. They offer a wide range of sports activities as well as wellness activities. The offers are valid in several European cities, as well as online. 🏋 Well-being support: access to Moka Care for mental health and wellness. 🧘 Hybrid remote policy : We offer the possibility of working from home for 2 days per week. 🏡 Offsite : Once a year we gather to reconnect, deep-dive into big topics, and relax. 🤝 This isn’t a perk, it should be the rule, but diversity and inclusion are important at Swan. We’re working hard to get better every day. ✨ Our values: Swan’s core values guide our actions daily. Individually, they may seem obvious, but together, they form a unique culture. Simplicity: Leonardo Da Vinci said: “simplicity is the ultimate sophistication.” If something's convoluted or confusing, we work extra hard to break it down. - Making complex things simple is what we do. Long Term : We always play the long game, whether it's to support our partners in their growth journey, or make tangible commitments to climate action. Excellence : We are a team of experts who consistently go all out to create pixel-perfect banking services and exceed our partners' expectations— whatever it takes. Be Human : We believe in the power of kindness and the importance of acting with integrity. But embracing our humanity extends beyond interpersonal interactions, it means caring about greater issues that affect our planet. You can find out more about our culture . Recruitment process A 30' call with our Talent Acquisition team — to get to know you, understand your career expectations, and answer your questions A 60' Hiring Manager interview with Jérôme — compliance & risk expertise, committee organization, regulatory maturity A Technical case with Jérôme & Fatima — to assess your data-driven approach and executive reporting A 45' Peer interview with Teddy to discuss stakeholder management A 60' Final interview with Nicolas (60 min) to assess your core values