---
title: 'Compliance Officer at Incard'
canonical: 'https://feeny.ai/job/compliance-officer-incard-london-qqhmr4pvdn4q'
type: 'job'
last_seen: '2026-09-09'
---

# Compliance Officer at Incard

- **Company:** Incard
- **Location:** London, United Kingdom
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2025-12-19
- **Last confirmed live:** 2026-09-09
- **Apply:** https://jobs.ashbyhq.com/incard/26cbe05e-bc5a-4941-a6ea-ba2f5b538077

## Job description

## ABOUT INCARD

Incard’s mission is to build the financial operating system for entrepreneurs.

We are focused on creating a system where business banking, financial tools, and application logic are coordinated into a single control layer.

Through the app store, entrepreneurs and developers can build industry-specific functionality as their business evolves.

## HO WE’RE LOOKING FOR

We’re looking for a Compliance Officer to support Incard’s client onboarding, financial crime controls, and regulatory operations.

You’ll work closely with the Compliance, Risk, and Operations teams to ensure customers are onboarded safely, monitored correctly, and reviewed in line with regulatory requirements. This is a hands-on role at the heart of our day-to-day compliance operations.

This role is ideal for someone who enjoys operational excellence, attention to detail, and working in a fast-growing fintech environment.

## WHAT YOU’LL DO

## CLIENT ONBOARDING & KYB / KYC

- Perform KYB and KYC reviews for new customers
- Review corporate structures, UBOs, directors, and controlling persons
- Assess onboarding documentation and identify risk factors
- Support enhanced due diligence (EDD) where required

## ONGOING DUE DILIGENCE

- Conduct periodic reviews of existing customers
- Monitor changes in customer profiles, ownership, or activity
- Support event-driven reviews triggered by risk or transaction behaviour

## TRANSACTION & NAME SCREENING SUPPORT

- Support transaction monitoring reviews and investigations
- Assist with name screening alerts and false-positive resolution
- Escalate suspicious activity to senior compliance or MLRO where appropriate

## AUDIT, REPORTING & CONTROLS

- Support internal and external audits and regulatory reviews
- Help prepare compliance reports, evidence packs, and audit responses
- Maintain accurate records, logs, and case documentation

## CROSS-FUNCTIONAL COLLABORATION

- Work closely with Customer Support, Product, and Operations teams
- Provide guidance on compliance requirements during onboarding and lifecycle events
- Help improve onboarding and monitoring processes over time

## WHAT WE’RE LOOKING FOR

- 2–5+ years of experience in compliance, KYB/KYC, or financial crime operations
- Strong understanding of CDD, EDD, and AML fundamentals
- Experience reviewing corporate structures and beneficial ownership
- Familiarity with transaction monitoring and name screening processes
- Comfortable working with compliance tools and case management systems
- Strong attention to detail and good judgement
- Clear written and verbal communication skills

## NICE TO HAVE

- Experience in fintech, payments, or e-money institutions
- Knowledge of EU or UK AML regulations
- Experience supporting audits or regulatory exams
- Familiarity with tools such as World-Check, ComplyAdvantage, or similar

## BENEFITS:

- Competitive cash-based compensation
- Incard stock options
- 25 days of paid time off per year, plus bank holidays and your birthday off
- Global health insurance and unlimited paid sick leave

## About Incard

## Company Overview
- **One-liner**: Incard is a financial platform for high-growth digital companies, offering multi-currency business accounts, corporate cards, and cash-flow management tools tailored for e‑commerce brands, agencies, and creators.
- **Entity Type**: Private (Series A)
- **Headquarters**: London, United Kingdom [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Founded**: 2020 [linkedin.com](https://uk.linkedin.com/company/incard)
- **Founders**: Theo Cesarini (CEO), Soraya Tribouillois (Co‑Founder & CFO), Matteo Martino (Co‑founder & COO) [linkedin.com](https://uk.linkedin.com/company/incard)

## Core Business
- **Primary industry**: Financial Services (Embedded finance / Fintech for e‑commerce)
- **Target customers**: B2B – e‑commerce brands, digital agencies, affiliates, resellers, and creators [linkedin.com](https://uk.linkedin.com/company/incard)
- **Mission / Purpose**: “Building the financial operating system for digital entrepreneurs” – reconfigure how entrepreneurs manage their finances by providing an all‑in‑one platform that replaces fragmented banking and payment tools [cbinsights.com](https://www.cbinsights.com/company/incard)

## Products & Services
- **Multi‑currency Business Accounts**: Supports global revenue streams with real‑time cash‑flow tracking and accounting automation. [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Virtual & Mobile Wallet Cards**: Enables faster payments, higher limits, and 24/7 support for business spending. [linkedin.com](https://uk.linkedin.com/company/incard)
- **Ad‑Spend Rewards**: Incard offers rewards on advertising spend, helping customers reinvest in growth. [cbinsights.com](https://www.cbinsights.com/company/incard)
- **App Store & AI Automation**: The company is developing an app store and investing in AI to further automate financial workflows. [cbinsights.com](https://www.cbinsights.com/company/incard)

## Market Standing
- **Valuation / Market Cap**: Not disclosed (private)
- **Key Metric**: Total funding raised – **$16.78M** (including a £10M / ~$13.69M Series A led by Smartfin in February 2026) [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Notable Investors/Partners**: SmartFin Capital (lead), Founders Capital, MountFund, SyndicateRoom, GE Ventures [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Growth Signals**:
  - Secured an **Electronic Money Institution (EMI) licence** from the UK’s FCA in early 2026, enabling direct issuance of e‑money and payment accounts [cbinsights.com](https://www.cbinsights.com/company/incard)
  - Over **£500M** transacted on the platform by users to date [cbinsights.com](https://www.cbinsights.com/company/incard)
  - Employee headcount grew **+70% year‑over‑year** (reaching 21 employees) [linkedin.com](https://uk.linkedin.com/company/incard)
  - Customers include brands like **Azio Beauty, Aloe Paris, and Ankhway** [cbinsights.com](https://www.cbinsights.com/company/incard)

## Competitive Advantages
- **EMI Licence**: Direct regulatory oversight by the FCA gives Incard autonomy to innovate in payments and card‑issuing without relying on a third‑party bank [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Specialised for e‑commerce**: Unlike general‑purpose neobanks, Incard is purpose‑built for digital entrepreneurs, integrating with major e‑commerce platforms and offering ad‑spend rewards [linkedin.com](https://uk.linkedin.com/company/incard)
- **All‑in‑one Financial OS**: Combines business accounts, corporate cards, cash‑flow management, invoicing, and ad spend in a single orchestration layer [cbinsights.com](https://www.cbinsights.com/company/incard)

## Strategic Focus
- **Expand product suite**: Continue building the “app store” and invest heavily in **AI and automation** to further simplify entrepreneurs’ financial workflows [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Scale customer base**: Capitalise on the EMI licence to offer faster, more flexible services to high‑growth e‑commerce brands and agencies across Europe [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Hiring & talent**: Active recruitment for senior engineering, product, compliance, and creative roles, with a focus on entrepreneurial‑minded team members [incard.com/careers](https://incard.com/careers)

## Why Work Here
- **Culture highlights**: Incard emphasises diversity (40% women, multiple nationalities) and an entrepreneurial, “win as a team” mentality [incard.com/careers](https://incard.com/careers)
- **Work policy**: Hybrid and in‑office options available; the London headquarters operates on an “in‑office” basis per Built In, though some roles are listed as hybrid [builtin.com](https://builtin.com/company/incard)
- **Engineering culture**: Strong investment in AI and automation; team size is small (~21 people) allowing for outsized impact; senior engineering roles open (Frontend, Backend, iOS, Android, Data/AI) [linkedin.com](https://uk.linkedin.com/company/incard) [jobs.ashbyhq.com](https://jobs.ashbyhq.com/incard)
- **Perks**: Not explicitly listed, but the company’s mission to “save time and money” for entrepreneurs reflects a practical, results‑oriented environment [incard.com/careers](https://incard.com/careers)

## Sources
1. [incard.com/careers](https://incard.com/careers) – Careers page with culture details and values
2. [cbinsights.com](https://www.cbinsights.com/company/incard) – Company profile, funding, EMI licence, and financial data
3. [uk.linkedin.com/company/incard](https://uk.linkedin.com/company/incard) – LinkedIn company page with headcount, revenue, and founding team
4. [builtin.com/company/incard](https://builtin.com/company/incard) – Office locations, job listings, and work‑policy details

## Other roles at Incard

- [Senior Android Engineer](https://feeny.ai/job/senior-android-engineer-incard-london-n8zgt6y2vc68) — London, United Kingdom
- [Financial Crime Specialist](https://feeny.ai/job/financial-crime-specialist-incard-london-2wnygmtey3hs) — London, United Kingdom
- [Senior Frontend Engineer, Growth](https://feeny.ai/job/senior-frontend-engineer-growth-incard-london-fav60wqhey5j) — London, United Kingdom
- [Product Content Lead](https://feeny.ai/job/product-content-lead-incard-london-j5jf34kfct76) — London, United Kingdom
- [Senior Automation QA Engineer](https://feeny.ai/job/senior-automation-qa-engineer-incard-london-he9g6kdrab9b) — London, United Kingdom
- [Senior Product Owner (Data / AI)](https://feeny.ai/job/senior-product-owner-data-ai-incard-london-45mtqw2eyf04) — London, United Kingdom
- [Senior Product Owner (Tech)](https://feeny.ai/job/senior-product-owner-tech-incard-london-wak3qkaqghjw) — London, United Kingdom
- [Senior Product Owner (UX)](https://feeny.ai/job/senior-product-owner-ux-incard-london-kn4ctyjj1ynx) — London, United Kingdom
- [Art & Creative Director](https://feeny.ai/job/art-creative-director-incard-london-b9j42m6aytd2) — London, United Kingdom
- [Senior Design System Manager](https://feeny.ai/job/senior-design-system-manager-incard-london-00cnjv1wvztr) — London, United Kingdom