Compliance Officer

h3bAbout Qover The Role /b /h3pQover is a fast-growing, pan-European InsurTech scale-up pioneering embedded insurance. We orchestrate digital insurance programs across multiple territories, empowering leading digital platforms and enterprise partners to seamlessly offer coverage to their customers. /ppOperating in a dynamic, double-regulated framework, Qover is authorized and supervised as an insurance intermediary by both the Financial Services and Markets Authority (FSMA) in Belgium and the Financial Conduct Authority (FCA) in the UK. /ppReporting directly to Qover’s General Counsel, with a direct channel to the CEO, you will serve as a core pillar of our LINC (Legal, Insurance Compliance) team. In this role, you will help maintain, and scale a robust compliance and privacy architecture that supports Qover's commercial growth while navigating complex European (FSMA) and UK (FCA) regulatory requirements. /ppYou will act as a proactive, autonomous problem-solver and pragmatic business partner across the organization, working closely with the Management Team, Product Owners, Operations, and external partners. /ph3bMain Tasks and Responsibilities /b /h3pbCompliance Governance Monitoring /b /pulliOwn, track, and execute day-to-day compliance governance tasks across all internal stakeholders /liliReporting Strategy: Draft quarterly compliance roadmaps, retrospectives, and the annual Compliance Report for the General Counsel and Management Team. Organize and lead the quarterly Compliance Steerco /liliDrafting, review and update of compliance policies /li /ulpbRegulatory Reporting Relations (FSMA FCA) /b /pulliFCA RegData Connect Reporting: Coordinate and submit mandatory periodic reports (financials, complaints, Appointed Representatives) via FCA RegData and Connect platforms /liliFSMA Compliance Filings: Ensure ongoing compliance with FSMA intermediation requirements, maintain regulatory declarations, and handle exempted ancillaries declarations /liliCorporate Official Filings: Handle official UK Companies House filings (Annual Accounts paperback filings, Director appointments, and Personal Codes) and equivalent corporate maintenance. /li /ulpbConsumer Protection, POG Fair Value /b /pulliConsumer Duty MI Monitoring: Oversee monthly Consumer Duty MI data pipelines (leveraging automated Dust AI agents), analyze metrics across the FCA’s four outcomes, and drive operational improvements. /liliProduct Oversight Governance (POG): Ensure all new and existing insurance products adhere to POG requirements, target market assessments, and distribution oversight standards. /li /ulpbFinancial Crime, Sanctions Screening and KYC /b /pulliSanctions Screening, PEPS and KYC ; advising on compliance requirements and identification of best tools and processes /liliSuspicious Activity Reports : Lead internal investigations for suspicious patterns and collaborate with Risk Carriers on formal SAR declarations to authorities. /li /ulpbCompliance monitoring /b /pulliCompliance monitoring: Perform structured QA audits on Customer Care tickets and Claim files, drafting findings and implementation plans to continuously improve operational quality. /liliExternal Audits: Support external audits conducted by Risk Carriers, supervisory authorities, or external partners. /li /ulpbEmployee Training /b (including RDs and PCP) /pulliTraining Management: Track mandatory continuous training hours for PCP and RD, and more broadly for employees and specific teams in contact with the public on specific topics such as vulnerable customers. /li /ulpbSustainability ESG /b /pulliEcoVadis certification: Oversee Qover’s EcoVadis sustainability assessment, annual game plan reassessment, and vendor ESG due diligence workflows. /liliCarbon Footprint Reporting: Manage the yearly carbon footprint data collection platform, draft the annual Sustainability Report, and support the internal Sustainability Committee. /li /ulh3bProfile Requirements /b /h3ullibEducation: Master’s degree in Law /b. Any professional certification is a plus (such as ICA International Compliance Association diplomas, CAMS for financial crime, or local compliance institute certifications) /lilibProfessional Experience /b: 3 to 5 years of professional experience in a compliance function within Financial Services, FinTech, or Insurance sectors. Experience as a standalone Compliance Officer, Compliance Specialist, or In-House Counsel is preferred. Direct experience in insurance is strongly preferred. /lilibRegulatory Expertise /b: bSolid understanding of EU insurance distribution regulations (IDD, FSMA framework) and UK regulatory frameworks (FCA, Consumer Duty). /b /lilibLanguage

Skills:
/b Full professional proficiency in English (primary working language). Fluency in French or Dutch is a significant asset. /lilibTechnical Aptitude: /b Comfortable working with AI agents, digital tools and compliance software (e.g., Vanta, ComplyAdvantage, Jira, Confluence). /lilibMindset Appro