About Lendermarket

Lendermarket is a growing peer-to-peer (P2P) platform, offering clients the opportunity to invest in loans provided by our trusted partners. With over 20 k + investors who already financed over €400M worth of loans. Lendermarket is actively growing and looking to expand its legal team.

Position Overview:

We are looking for a highly motivated & detail-oriented mid-level Risk & Compliance Associate with a strong legal background to support our growing operations. 

As a Risk and Compliance associate, you will help ensure that the business remains compliant with applicable laws, regulations, and internal policies across multiple jurisdictions. You will work closely with internal stakeholders including Legal, Marketing, Business & Operations teams to manage compliance risks, review contracts, support regulatory filings, and oversee marketing compliance.

This role is perfect for a professional that is looking to grow in a dynamic and innovative environment bridging a gap between legal, risk & compliance management, and commercial functions. 

Responsibilities:

Compliance & Risk management 

• Monitor & ensure company’s compliance & risk management programs with regulations.
• Oversight and updating AML/CFT procedures, by ensuring there are consistent controls.
• Conduct internal reviews and risk assessments, identifying potential compliance risks and recommending mitigation strategies. 
• Assist in preparing responses to regulatory inquiries, audits, and examinations. 
• The submission of information to the CBI and other related bodies as necessary.
• Report to the Head of Risk and Compliance as required and communicate with respective regulators, auditors and other relevant bodies on risk and compliance matters as necessary. 

Legal & Contractual Oversight 

• Draft, review, and negotiate commercial contracts, including vendor agreements, partnership agreements, NDA’s, licensing and investment-related documentation. 
• Advise on legal risks and business terms in contract negotiations to protect the company’s interest. 
• Collaborate with external legal counsel on complex cross/border or regulatory matters. 

Marketing & Product Compliance

• Review marketing materials and investor communications to ensure compliance with CBI Consumer Protection Code, MiFID II, and other applicable standards. 
• Provide guidance to marketing and product teams on applicable advertising laws and financial promotion rules. 
• Monitor evolving standards around consumer protection, truth-in-advertising, and digital marketing within financial services. 

Cross-functional collaboration 

• Work closely with Legal, Business, Marketing and Compliance teams to ensure business initiatives align with legal and regulatory requirements. 
• Support training initiatives and awareness programs related to compliance, data, privacy, and regulatory developments.

Requirements: 

• BA or MA Degree: Law, Business, Finance, Compliance or related subjects. Law degree or legal qualification strongly preferred. 
• Experience: Minimum of 3 years' of regulatory experience ( legal, compliance, or risk management roles ) 
• Area: Background from Financial, Fintech, Banking, Investment, Fund industries.
• Regulatory Knowledge: Solid understanding of compliance standards & financial regulations ( e.g., KYC/AML, data privacy, consumer protection, GDPR, etc ) 
• Industry Knowledge: Basic knowledge of the industry the organisation operates in.
• Fraud Prevention: Experience and/or training in the identification of suspicious transactions (with reporting).
• Contract Governance: Previous experience and negotiating contracts. 
• Marketing: Familiarity with global marketing compliance and advertising standards in the financial sector. 
• Attitude: Feel comfortable with all the core related parties of the business - investors, auditors, regulators & other relevant bodies.
• Problem Solving: The ability to define a problem; determining the cause of the problem; identifying, prioritizing, and selecting alternatives for a solution; and implementing a solution.
• Attention to Detail: Ability to maintain accuracy and thoroughness.
• Ethical Standards: Commitment to high ethical standards and integrity.
• Languages: Fluent in spoken & written English; 
• Location: Ireland ( Dublin ) or Estonia ( Tallinn )

Preferred Qualifications: 

• Experience with regulatory regimes such as FCA, SMCR, GDPR ( UK ), CBI codes & regulations ( Ireland ), Finma regulations, FinSA/FinIA, AMLA ( Switzerland ) is highly preferred. 
• Exposure to compliance tools and GRC systems. 
• Certification in compliance ( e.g., CRCM, CAMS ) or legal practice certificate ( e.g., LPC, JD, Bar ) is a plus. 
• Experience working in crowdfunding platforms, or retail financial services providers. 

We offer:

• Chance to contribute to the business' decision-making processes and make a tangible impact. 
• Talented and fun international team who always has your back. 
• Supportive environment facilitating growth and achievement. 
• Opportunity, even, an expectation, to grow in your career to the next level. 
• Flexible working hours. 
• Flexibility of working in a hybrid mode. 
• A minimum of once per year workation trips with a team somewhere in Europe. 
• On-demand sponsorship for your professional development. 
• Wellness perks for physical and mental health. 
• Competitive remuneration.