Financial Services Regulatory Lead H/F

Are you looking to have an impact on the daily life of millions of entrepreneurs in France (and tomorrow in Europe)? Are you looking for a work environment that values trust, proactivity, and autonomy? Then Pennylane is the right place for you ! Our vision We aim to become the most beloved financial Operating System of French SMEs and Accounting Firms (and soon, European ones). We help entrepreneurs rid themselves of time-consuming tasks related to accounting and finance while providing them with access to key financial information to assist in making the best decisions for their business. About us Pennylane is one of the fastest growing Fintechs in France (and soon to be in Europe!) In 5 years of existence, we’ve managed to : 💻 Make ourselves known as a groundbreaking accounting and financial software for small businesses and their accountants 💰 Raise a total of €400 millions, including from Sequoia, the famous fund from the Silicon Valley who invested early in companies like Google, Facebook, Airbnb, Stripe, Paypal and much more... 👨‍👩‍👧‍👦 Grow from 7 cofounders to 1000 happy Pennylaners : we’re now recognized as one of the greatest places to work in France (and also remotely), with a 4.6/5 rating on Glassdoor 🌍 Build an international environment with more than 25 nationalities, with a strong remote-friendly culture, where 30% of the employees are already working from all parts of Europe 🤝 Earn the trust of thousands of customers and accounting firms and obtain outstanding ratings 🚀 Already more than 1 300,000 small and medium-sized enterprises (SMEs) and over 6000 accounting firms use Pennylane in France! WHY IS THIS ROLE IMPORTANT FOR PENNYLANE? Pennylane is building Pennylane Financial Services (PFS), a newly created regulated subsidiary applying for ACPR authorisations as a payment institution and a financing company. From day one of licensing, PFS must be able to operate in full regulatory compliance - not only through policies, but through reliable execution: clear ownership, predictable reporting routines, auditable evidence, and effective coordination across Operations, Finance/Accounting and Compliance & Risk. This role is critical to organise and run that regulatory function, with the ambition to progressively consolidate regulatory reporting ownership within PFS. HOW WILL YOU CONTRIBUTE TO THE PROJECT? You will help build and operate the regulatory office of Pennylane Financial Services, working across Compliance & Risk, Finance, Legal, Operations and Technology. Your initial priority will be to turn PFS’s regulatory requirements into a reliable operating framework: a complete obligations inventory, clear ownership, an integrated regulatory calendar, and effective controls over regulatory reporting and evidence. In practice, you will: - maintain the authoritative inventory of PFS’s regulatory obligations; - coordinate the regulatory-reporting portfolio and directly produce selected returns; - establish clear responsibilities, reporting controls and escalation paths across contributing functions; - support supervisory responses and commitment tracking from day one; - coordinate regulatory change with Compliance, Legal and the relevant subject-matter owners; and - support regulatory governance through clear reporting, decision tracking and follow-through. You will not replace the specialist accountability of Finance, the MLRO, Legal, Risk or Operations. Your role will be to make their contributions converge into a controlled, timely and inspection-ready regulatory process. As PFS grows, you will help shape and evolve its regulatory operating model and governance arrangements. WHAT WILL YOUR DAY-TO-DAY RESPONSIBILITIES BE? - Maintain the regulatory-obligations inventory: keep a complete and current view of PFS’s recurring and event-driven obligations, with clear owners, deadlines, controls, approval routes and evidence requirements. - Run the integrated regulatory calendar: coordinate contributors, dependencies and review milestones across Compliance & Risk, Finance, Legal, Operations and Technology, escalating delivery risks before deadlines are affected. - Coordinate regulatory reporting: oversee the end-to-end reporting portfolio and directly prepare selected returns, while ensuring specialist functions retain accountability for their underlying judgements and data. - Establish reporting controls: document and operate source-to-report lineage, reconciliations, variance analysis, maker-checker review, sign-offs, submission evidence, correction procedures and backup arrangements. - Coordinate data-quality remediation: document reporting-data issues, assign them to the accountable function, monitor resolution and escalate overdue or recurring problems. - Support supervisory responses and commitment tracking: maintain a reliable record of requests, responses and commitments; coordinate contributions and evidence under the direction of the ACPR relationship owner; and escalate delivery issues to PFS management. - Coordinate regulatory change: work with Compliance, Legal and relevant subject-matter owners to translate new requirements into impact assessments, accountable owners, implementation plans and evidence. - Support regulatory governance: prepare concise status reporting, maintain decision and action tracking, and ensure regulatory matters reach the appropriate management or governance forum. - Improve tools and processes: define practical requirements for workflow, evidence storage, reporting production and regulatory remittance, reducing manual effort without weakening controls. PROFILE WE ARE LOOKING FOR Must-have - Meaningful experience in a regulated financial environment, in one or more areas such as regulatory reporting, regulatory operations, prudential reporting, compliance, risk, finance, internal control or regulatory advisory. - Strong understanding of reporting controls and data quality, including reconciliations, source-to-report traceability, review and approval controls, exception management and auditable evidence. - Sound regulatory judgement: ability to understand a requirement, identify its practical implications, recognise when specialist Legal or Compliance input is needed, and translate conclusions into ownership, processes and controls. - Strong execution discipline, with a demonstrated ability to coordinate recurring deliverables, manage interdependencies and meet fixed deadlines reliably. - Ability to work effectively across Finance, Legal, Compliance, Risk, Operations and Technology, while preserving clear accountability between functions. - Ability to build structured and durable ways of working—including registers, calendars, procedures, templates and knowledge bases—in an evolving environment. - Clear and concise written and verbal communication, including the ability to explain issues, assumptions and required decisions to senior stakeholders. - Professional fluency in French and English. Nice-to-have - Experience with ACPR reporting, supervisory interactions or the French regulatory environment. - Experience in a payment institution, electronic-money institution, financing company, bank, regulated fintech, supervisory authority or specialist advisory firm. - Exposure to more than one regulatory domain, such as payments, prudential reporting, statistical reporting, AML-CFT, fraud, incidents or financing activities. - Experience coordinating regulatory change, supervisory requests, inspections or remediation commitments. - Familiarity with regulatory-remittance tools, reporting-data lineage, workflow automation or evidence-management solutions. - Experience building or materially improving a regulatory framework in a new entity, licensing programme or operating-model transformation. RECRUITMENT PROCESS 1. Interview with Simon (30-45 min), Senior Recruiter 2. Interview with Laurent (1h), Compliance&Risk Director 3. Case Study with two Finance or Legal representative (1h) 4. Team fit with two interviewers (30 min) 5. Last round with Maxime and Felix (45 min) What do we do to make your work life easier 🌴 Wherever you are based, you will get 25 vacations days paid by Pennylane 💵 You’ll have a competitive compensation package 📈 You'll get company shares to enjoy a piece of the success story you're building with us 🏡 You’ll have a budget to turn your home into a more comfortable workspace, as well as a monthly allowance to work from a coworking space whenever you feel like it ⛹️ Through our partner Gymlib, you’ll have access to 8000 fitness spaces in Europe and more than 300 activities related to wellness 💻 You’ll get the latest Apple equipment 🏢 Depending on the teams and the requirements of the position - you'll be able to work remotely from your country of residence, as long as it is in Europe and within a maximum time difference of two hours from the CET time zone 🎉 We are committed to regularly coming together for company events such as Tech Days (which bring remote Pennylaners together every 3 months) or our annual company seminar, fostering significant moments of cohesion for everyone. If you are based in France, you will have a French contract following French regulation on top of the additional perks : 6 to 12 RTT, 5 weeks PTOs, lunch credits (Swile), Alan Blue healthcare cover and regular events in cities where Pennylaners are mostly presents (Lyon, Bordeaux, Nantes…) We're working on providing those last advantages to our people based outside of France as well, but it can be quite more complex depending on different countries. Who are we looking for ? To thrive at Pennylane, you need : -To speak English (level is assessed and appreciated according to the department you’re applying to) -To be energized by an ever-shifting work environment -To be highly collaborative (within your team or other stakeholders) -Sufficiently experienced to prioritize business-led actions on your day to day activity We know that some people are less likely to apply than others, if they don’t feel like they meet the full list of criteria. If you’re hesitating, we encourage you to apply : who knows, it might be the start of a meaningful and long-lasting collaboration. Important information for candidates Recruitment scam attempts are on the rise. We invite you to remain vigilant during your exchanges. Applications through official channels only : apply exclusively through our job postings published on our official platforms (career site, official partner pages). Always verify the sender's email address: our communications are sent from professional email addresses with the domains @pennylane.com or @pennylane-partners.com We will never ask you for payment or financial information (bank details, payment for an interview, equipment purchases, etc.) as part of the recruitment process. If such a request is made to you, it is fraudulent. We invite you to not respond and to report it to us immediately. We also want to emphasize that we fully embrace diversity, equity and inclusion and that we’re doing our best to create a safe and inclusive environment. We are committed to providing an equal employment opportunity regardless of gender, sexual orientation, origin, disabilities, or any other traits that make you who you are. If anything, diversity makes us a more fun place to work at. 🇫🇷 Données personnelles Pennylane traite vos données pour gérer votre candidature et évaluer votre adéquation au poste. Si votre candidature n’abouti