Compliance & AML Officer - Spain

Description

Ford Credit, a leading provider of automotive financing solutions, is seeking a highly experienced and results-driven Compliance Officer to join our team. This critical role ensures our continued commitment to regulatory compliance and ethical business practices across all operations in Spain and the EU.

As a proactive leader, you will navigate complex regulatory landscapes, foster a strong culture of compliance, and serve as the primary liaison with local regulatory authorities.

Responsibilities

Regulatory Compliance & Governance

Act as the main point of contact with local regulators, maintaining strong transparent relationships.

Maintain formal records of all regulatory correspondence and escalate key matters to Group Compliance.

Provide regular compliance updates to senior management and the board.

Horizon Scanning & Risk Management

Monitor and assess changes in local and EU regulations, advising relevant teams accordingly.

Maintain and update the Compliance Risk Register (CRR), ensuring effective controls are in place.

Monitoring & Reporting

Develop and manage a robust Compliance Monitoring Programme.

Analyse and report compliance breaches, implementing corrective actions to prevent recurrence.

Chair or participate in compliance and risk committees, escalating issues as needed.

Policies, Procedures & Training

Develop and maintain compliance policies, procedures, and training frameworks.

Deliver ongoing training to ensure staff awareness of compliance, AML, and data protection obligations.

AML & Financial Crime

Serve as the local AML and Financial Crime lead, including managing SARs, PEPs, sanctions screening, and transaction monitoring.

Complete AML-related regulatory returns and banking questionnaires.

Maintain AML risk assessments and report to the board and regulators.

Data Protection & Privacy

Act as the local contact for the European Data Protection Officer.

Implement initiatives to ensure compliance with Spanish and EU data protection laws.

Business Continuity & Incident Management

Oversee the Business Continuity Plan for compliance functions.

Track and report incidents and whistleblowing matters, supporting onward reporting to external bodies.

Audit & Internal Controls

Support internal audits, respond to findings, and implement remedial actions.

Qualifications

The minimum requirements we seek :

Degree educated with 5-10 years of senior compliance experience in financial services.

Proven experience managing relationships with regulatory authorities.

Strong understanding of Spanish and EU financial regulations, including :

Financed sales in installments

Financial leasing

Data protection laws

Our preferred requirements :

Exceptional analytical and problem-solving skills.

Fluent in Spanish and English (written and verbal).

Strong leadership and stakeholder engagement skills.

Ability to simplify complex regulatory information for diverse audiences.

Experience working in a global organization, ideally in automotive finance.

High ethical standards and a proactive, results-oriented mindset.

Additional Information :

The company is committed to diversity and equality of opportunity for all and opposes any form of discrimination or harassment based on race, religion, sex, marriage and civil partnership, pregnancy and maternity, age, sexual orientation, gender reassignment, or disability.

This position is based in Madrid, and the successful candidate is expected to attend the Madrid office approximately 4 days a week, with flexibility based on business needs.

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Required Experience : Unclear Seniority

Key Skills

Compliance Management, Risk Management, Financial Services, PCI, Banking, Cost Accounting Standards, Quality Systems, Research Experience, NIST Standards, Securities Law, SOX, ISO 27000

Employment Type : Full-Time

Experience : 5-10 years

Vacancy : 1

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