Job Description

Role Overview:

The Head of Compliance at Joud LLC is responsible for developing, implementing, and

overseeing the company's compliance framework to ensure full alignment with Qatar

Central Bank (QCB) regulations, including AML/CFT obligations, and data protection laws.

This leadership role involves establishing internal policies, conducting compliance risk

assessments, training staff, and maintaining a strong culture of regulatory adherence as

Joud scales its BNPL services across Qatar and the MENA region.

The ideal candidate will have a deep understanding of QCB regulatory frameworks, fintech

compliance standards, and experience working in a regulated financial services or payment

environment.

Key Responsibilities:

Design, implement, and maintain a robust compliance management system tailored
to BNPL operations and fintech risks.

Serve as the primary liaison with the Qatar Central Bank (QCB) and other regulatory
bodies, managing correspondence, filings, sandbox testing protocols, and licensing

obligations.

Develop and regularly update internal compliance policies, manuals, and
procedures in accordance with local laws, QCB guidelines, and Islamic finance

principles.

Conduct periodic compliance risk assessments across departments and business
processes to proactively identify and mitigate regulatory risks.

Collaborate with the CEO, MLRO, and legal advisors to ensure QCB milestones,
regulatory testing, and reporting obligations are met.

Oversee product and marketing compliance reviews to ensure transparency,
fairness, and customer protection.

Ensure the company's digital systems and third-party integrations (e.g., payment
gateways, KYC/AML vendors) meet regulatory standards for data security,

transaction monitoring, and consumer disclosures.

Lead and deliver compliance training programs for staff across all levels, fostering a
culture of awareness and ethical responsibility.

Monitor regulatory changes in Qatar and across the MENA region and assess their
implications on business operations.

Prepare and submit regulatory reports, audit responses, and compliance
documentation to internal and external stakeholders.

Collaborate closely with the MLRO on AML/CFT issues and ensure integration of
financial crime prevention controls within the compliance program.

Support due diligence processes for vendors, merchants, and partners to mitigate
third-party compliance risks.

Required Qualifications:

Bachelor's degree in Law, Finance, Business, or a related discipline. Certified Compliance Professional (e.g., CAMS, CRCMP, ICA, or equivalent) strongly
preferred.

Minimum 7-10 years of experience in a compliance leadership role within financial
services, banking, or fintech.

In-depth knowledge of QCB regulatory frameworks, including AML/CFT obligations,
and consumer protection laws.

Key Competencies & Skills:

Expertise in regulatory compliance and risk management (QCB-specific) Strong analytical and investigative skills High attention to detail and documentation accuracy Clear and confident communication with regulatory bodies and internal
stakeholders

Leadership and training ability to foster a compliance-first culture Ability to interpret legal and regulatory language into actionable business guidance Collaborative, ethical, and solutions-driven approach Experience establishing and scaling compliance programs in fast-paced, digital-first
environments.

Familiarity with Islamic finance structures and principles is an advantage.
Job Type: Full-time