Younited

Attorney

• Serve as the primary point of contact with the Bank of Portugal for all regulatory reporting and communications, ensuring timely and accurate submissions.
• Develop, implement, and oversee compliance policies and protocols to guarantee the company operates fully in line with all applicable laws and regulations. Ensure that credit agreements are transparent, client-friendly, and compliant with current regulatory requirements.
• Lead the company’s AML/CFT program, including the development of manuals, definition of procedures and policies, and oversee the delivery of employee training to ensure full compliance with Portuguese anti-money laundering regulations.
• Ensure compliance across the full spectrum of applicable regulations beyond AML and GDPR, including consumer protection laws, personal lending and insurance regulations, banking and financial regulations under the supervision of Banco de Portugal, and other relevant legal and regulatory requirements.
• Drafting, reviewing and negotiation of contracts with providers and partners.
• Ensure marketing campaigns are reviewed in line with regulatory and company standards.
• Conduct internal audits and controls to monitor adherence to established protocols, identify risks or gaps, and recommend improvements.
• Maintain accurate and up-to-date documentation of all compliance processes, procedures, and business activities.
• Prepare regular management reports on the company’s compliance status, regulatory obligations, and risk exposure.
• Collaborate with the Spain team in the development and review of policies and projects for topics that are common across both markets.

Legal and Compliance Officer

Compliance

• - Au sein de l’équipe Contrôle interne de Younited en France, et directement rattaché(e) à la Head of Internal Control & Compliance, nous recherchons un(e) Compliance Officer.
• - Analyser et mener des examens renforcés sur les dossiers issus du traitement d'alertes de transaction monitoring et de Name Screening provenant d’outils de détection, de remontées des métiers ou des demandes du management
• - Réaliser l'analyse des opérations atypiques des clients en utilisant les techniques d'investigations du Groupe
• - Analyser les homonymies issues de l’outil de Name screening
• - Gérer le process de revue et validation des PEP
• - Respecter la priorisation des alertes, les délais de traitement et informer le management de toute situation complexe
• - Assurer la traçabilité et l'archivage des pistes d’audit
• - Rédiger un rapport d’investigation écrit et motivé pour chaque alerte
• - Rédiger les propositions de déclarations de soupçon TRACFIN
• - Réaliser des contrôles sur le dispositif LCB-FT et émettre des avis et des recommandations afin d’améliorer les process métiers et les contrôles en place (revue KYC et KYP)
• - Participer au suivi de l’activité de la BU France notamment sur la production des KPIs et la préparation des supports de reporting notamment à destination de la conformité Groupe

Legal and Compliance Officer

Compliance Officer – Sécurité financière