We are seeking an experienced Compliance Officer – Credit Card Marketing & Consumer Protection to join our Compliance Department. You will be responsible for ensuring that all Advertising and Marketing Communications relating to our Credit Card Products, Primarily Targeting Customers in Germany, comply with Maltese, EU and German Regulatory Requirements.
Role:
Marketing & Advertising Compliance (Primary Focus)
- Review and Approve all Credit Card Advertising and Marketing Materials (Digital, Print, Social Media, Email, Online Ads, Landing Pages) Targeting German Customers before Launch
- Ensure Communications are fair, clear, and not misleading
- Verify Compliance with MFSA Conduct-Of-Business Rules, German Consumer Protection Law, Credit Advertising requirements, other relevant Regulations
- Review Digital Marketing Strategies for Regulatory Alignment
- Maintain and update internal Marketing Compliance Guidelines, Checklists and Approval Procedures
- Provide practical guidance to marketing, product and business teams on regulatory requirements and how to adjust campaigns if necessary
- Monitor approved materials to ensure they are not altered post-approval and obsolete content is withdrawn promptly
Regulatory Expertise & Advisory
- Stay current with MFSA conduct-of-business rules, circulars and guidance, relevant EU regulations, and German Consumer Credit and Advertising requirements
- Act as the go-to internal contact on Regulatory questions relating to Credit Card Promotions, Campaigns, Cross-Selling and Customer Communications
- Flag and advise on impacts of New or Amended MFSA, EU or German Regulations on Marketing Practices and Product Features
- Support Review of Product Terms, Pre-Contractual Information and Customer Communications for Compliance
General Compliance Support
- Contribute to Compliance Risk Assessments, Monitoring and Testing Activities, particularly Reviews on Marketing and Conduct
- Assist in Drafting and maintaining Compliance Policies and Procedures relating to Credit Products and Customer Communication
- Help deliver Compliance Training to Marketing, Product and Front Office Staff on responsible Lending and Fair Treatment of Customers
- Support MFSA Inspections, Thematic Reviews and Regulatory Reporting, especially on Marketing and Conduct matters
- Participate in New Product Approval Workflows and Customer Journey Reviews
Skills & Experience:
- University Degree in Law, Finance, Business, Economics, Marketing or Related Field
- 4+ Years in a Compliance, Legal or Regulatory role within Banking or Regulated Services
- Ideally, Experience in an MFSA-Regulated Institution or with Credit Card / Consumer Credit Products
- Strong Knowledge of:
- Advertising and Marketing rules for Credit Products
- Consumer Protection, Fair Practices and Misleading Advertising Legislation
- Credit Disclosure and Responsible Lending requirements
- Solid understanding of Digital Marketing (Online Advertising, Social Media, Email, SEO/SEM Basics, A/B Testing, Landing Pages) and how it intersects with Regulation
- Excellent English (written and spoken)
- Strong Analytical Skills and Attention to Detail
- Ability to Translate complex Regulatory Requirements into Practical Marketing Guidance
- Pragmatic, Solution-Oriented Mindset
Desirable:
- Knowledge of German
- Professional Compliance Qualification (ICA, ACAMS, or local MFSA Compliance Course)
- Experience Reviewing Product Terms, Pre-Contractual Information and Customer Journeys
- Background in Conduct Risk, Customer Outcomes or Product Governance
- Prior exposure to Cross-Border EU Financial Services
Excellent Salary + Bonus + Benefits
We Are Keen to Meet You! Our 'Recruitment Team' will reach out to you directly.