Group Head of Compliance

About ESTOFounded in 2017, we are a fast-growing fintech company on a mission to make shopping and financial decisions effortless. By combining smart technology with customer-first thinking, we enable people to pay flexibly and businesses to grow faster.As a team, we value ambition, ownership, and constant improvement. We move fast, think big, and build solutions that make a real impact on everyday lives.About the role:ESTO holds consumer credit licences in Estonia, Latvia and Lithuania and operates where lending , data and AI meet. As Group Head of Compliance, you lead the strategic oversight and implementation of our compliance framework across all three countries. You ensure that ESTO's policies, procedures, products and services align with regulatory requirements and internal standards at group level, and you work closely with cross-functional teams to foster a culture of integrity, manage regulatory risk and support sustainable business growth through proactive compliance management.Compliance is an independent second-line function, reporting to the CEO with direct access to the Supervisory Board. You build it, lead it, and work closely with Legal, Risk, Product, Data and the country teams to keep ESTO compliant and inspection-ready as it grows.What You’ll Do:Build and lead the Compliance function across Estonia, Latvia and Lithuania, including country Compliance Managers and the MLRO, and build a risk-based monitoring programme that tests ESTO's products and processes against regulatory requirements in all three markets: creditworthiness, pricing and disclosures, advertising, data protection, AML and sanctions, outsourcing, ICT, complaints and collectionMonitor regulatory developments in all three markets and at EU level, assess their impact, and keep Legal, management and the business informed; own the regulatory change register and compliance calendarMaintain compliance policies, procedures and internal controls; run compliance risk assessments and the enterprise-wide risk assessmentRun monitoring and testing the way a regulator would, with risk-based file samples and automated checks, so ESTO is inspection-ready at all timesAutomate first: data-driven checks over manual reviews, with Data and Engineering building the hooksSet the compliance standard for AI and credit models: AI Act classification of each model, model register, bias testing and EU AI Act documentationProvide compliance reporting and management information to management and the Supervisory Board, and track remediation to closureEnsure the internal rules filed with the regulators are kept up to date and applied in practice, and own licensing and regulatory reporting for each entityLead the relationship with supervisory authorities in all three countries: inquiries, inspections, audits and regulatory proceedingsProvide compliance sign-off on new products and material changes, working with Product and LegalRun compliance training across the businessWhat We Expect:5+ years in legal, compliance or supervisory work in the financial sector, in consumer lending, payments or banking, ideally including time at a regulator, an auditor or as head of compliance under an EU licenceMaster’s degree in lawYou have built or rebuilt a compliance function and can show what it found and what changed as a resultWorking knowledge of consumer credit law, responsible lending, AML/CFT, GDPR and the EU AI Act in the Baltic countries, and the judgement to know which rules carry real riskExperience working with regulators in more than one Baltic countryHands-on with data: you read SQL output, define a risk-based sample and specify an automated check rather than requesting a reportDaily user of AI tools (Claude or similar) and a clear view of how they change compliance workIndependent, with strong judgement and integrity: you challenge constructively, in writing, and hold your position when it mattersFluent English; Estonian, Latvian or Lithuanian is a strong plusImpeccable professional reputation and a clean criminal recordWhy You'll Love Working Here• 28 days annual leave + public holidays + your birthday off, always• Hybrid work with flexible hours• Paid sick leave + 3 wellbeing days• Modern, pet-friendly office in the heart of Tallinn• Fully stocked kitchen: snacks, fruit & drinks• Monthly Stebby allowance for sports & wellness• Collaborative, multicultural team• Regular events & offsites• Room to bring ideas and make real impact🌍 Equal Opportunity EmployerWe value diversity and inclusion, and we're committed to a workplace where everyone feels welcome, has equal opportunities, and is treated fairly.