Legal, Risk & Compliance Officer

Help shape the future of B2B payments while building trust, sound governance and responsible growth.

About ZTL Payment Solution

ZTL is a pioneering Fintech company revolutionizing B2B payments by leveraging the Open Banking initiative and PSD2 regulations. Our innovative platform integrates seamlessly with ERP Accounting Systems, enabling SMEs to execute domestic and international invoice payments efficiently while accessing real-time balances and transaction data. With PSD2 licenses for Payment Initiation and Account Information, plus a money-transfer license from the Norwegian Financial Supervisory Authority, we are poised to become the leading B2B payment platform in the Nordics and beyond. Join us to shape the future of payments with a dynamic, entrepreneurial team.

The opportunity

We are looking for a pragmatic and commercially minded Legal, Risk & Compliance Officer to help ZTL scale responsibly across the Nordics and Europe. You will be a trusted adviser to colleagues across the business, translate complex regulatory requirements into practical solutions, and strengthen our risk and compliance framework without slowing innovation. This is a broad, hands-on role with visibility across management, product, technology, operations and external partners.

What you will do

• Provide clear, solution-oriented legal advice on payment services, commercial agreements, partnerships, products and regulatory matters; coordinate external counsel where appropriate.

• Monitor and interpret relevant Norwegian and EU requirements, including PSD2/payment services regulation, AML/CTF, sanctions, data protection and DORA; assess impacts and coordinate implementation.

• Maintain and improve ZTL’s compliance programme, policies, procedures, controls and regulatory obligations register, applying a proportionate, risk-based approach.

• Coordinate enterprise and operational risk assessments, risk appetite and control follow-up; maintain actionable risk and issue reporting for management and the Board.

• Plan and perform independent compliance monitoring, thematic reviews and control testing; document findings, agree remediation actions and track them to closure.

• Support regulatory reporting, supervisory dialogue, inspections and responses to Finanstilsynet, in collaboration with relevant accountable functions.

• Partner with technology, security and operations on ICT third-party risk, incident management, business continuity, operational resilience and changes to products and processes.

• Advise on customer and partner due diligence, financial crime controls and safeguarding-related governance, working closely with the designated AML and operational owners.

• Draft and negotiate contracts, assess new markets and partnerships, and help embed compliance-by-design into product development.

• Build awareness through concise training, practical guidance and constructive challenge; foster a culture of integrity, ownership and sound decision-making.

  
  

What you bring

• A degree in law (Master of Laws / cand.jur. or equivalent) is preferred; a relevant higher degree combined with strong legal and regulatory experience may also be considered.

• Relevant experience in legal, risk or compliance roles within regulated financial services, payments, banking or Fintech.

• Working knowledge of Norwegian and EU financial-services regulation, with the ability to navigate complex requirements and explain them simply.

• Experience with risk assessments, compliance monitoring, policy frameworks, governance and/or commercial contract work.

• Excellent written and verbal communication skills in a Scandinavian language and English; strong judgement, integrity and attention to detail.

• A collaborative, self-directed approach: comfortable prioritising, challenging constructively and turning advice into workable action.

Why join ZTL?

• Meaningful influence on how a regulated Fintech scale-up builds its next phase of products and partnerships.

• Close collaboration with decision-makers and a talented, entrepreneurial team.

• A varied role combining strategic judgement with practical execution, professional development and real ownership.

• Competitive compensation and benefits, and an open, inclusive working environment.

Interested?

We value diverse backgrounds and perspectives. If you meet many, but not all, of the criteria and are excited about our mission, we encourage you to apply. Learn more at www.ztlpay.io. Any background or suitability checks will be proportionate to the role and carried out in accordance with applicable requirements.