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Pennylane is building Pennylane Financial Services (PFS), a newly created regulated subsidiary applying for ACPR authorizations as a payment institution and a financing company. From day one of licensing, PFS must operate in full regulatory compliance through reliable execution, clear ownership, predictable reporting routines, auditable evidence, and effective coordination across Operations, Finance, Compliance & Risk, and Legal.
You will help build and operate the regulatory office of PFS, working across Compliance & Risk, Finance, Legal, Operations, and Technology. Your initial priority is 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.
Key responsibilities include:
- Maintain the authoritative inventory of PFS's regulatory obligations with clear owners, deadlines, controls, approval routes, and evidence requirements
- Run the integrated regulatory calendar, coordinating contributors and dependencies across functions, escalating delivery risks before deadlines are affected
- Coordinate regulatory reporting, overseeing the end-to-end portfolio and directly preparing selected returns while ensuring specialist functions retain accountability
- Establish reporting controls including source-to-report lineage, reconciliations, variance analysis, maker-checker review, sign-offs, submission evidence, correction procedures, and backup arrangements
- Coordinate data-quality remediation by documenting issues, assigning them to accountable functions, monitoring resolution, and escalating overdue problems
- Support supervisory responses and commitment tracking, maintaining reliable records of requests, responses, and commitments
- Coordinate regulatory change by translating new requirements into impact assessments, accountable owners, implementation plans, and evidence
- Support regulatory governance through concise status reporting, decision tracking, and ensuring matters reach appropriate forums
- Improve tools and processes to reduce manual effort without weakening controls
You will not replace the specialist accountability of Finance, the MLRO, Legal, Risk, or Operations. Your role is 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.
Pennylane is one of France's fastest-growing fintechs, having raised €400 million (including from Sequoia) and grown from 7 cofounders to 1,000 employees across 25+ nationalities. The company is recognized as one of the greatest places to work in France with a 4.6/5 Glassdoor rating and serves over 1.3 million SMEs and 6,000 accounting firms.
REQUIREMENTS
Must-have:
- Meaningful experience in a regulated financial environment in 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 judgment: ability to understand requirements, identify practical implications, recognize when specialist Legal or Compliance input is needed, and translate conclusions into ownership, processes, and controls
- Strong execution discipline with 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 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 multiple regulatory domains 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 program, or operating-model transformation
