Regulatory Compliance Officer (Financial Services)

First Circle is one of the fastest-growing FinTech companies in the country, providing financial services to under-served SMEs. We've already transformed access to credit for thousands of businesses, and now we're building a full-stack platform offering multi-currency bank accounts, payments, FX, corporate credit cards, and payroll. As we enter this next phase of growth, we're hiring exceptional talent with a track record of excellence to join us in shaping the next chapter.

We are hiring a Regulatory Compliance Associate (Financial Services) to work closely with the General Counsel on legal, regulatory, and BSP compliance matters across our financing business, including oversight of an affiliated rural bank. You should be comfortable navigating a regulated environment, identifying risks early, and translating regulatory requirements into practical, workable solutions.

At First Circle, you will work closely with leadership, product, operations, and risk teams to ensure that we operate in a compliant, well-governed, and scalable manner, while supporting continued growth. This role reports directly to the General Counsel and offers high visibility across the business.

First Circle is changing financial services for small businesses in the Philippines. The sky is the limit for someone who wants to get stuck in and make a difference.

Role and responsibilities

• BSP Regulatory Compliance: Ensure compliance with applicable laws, rules, and regulations, including those issued by the Bangko Sentral ng Pilipinas. Monitor regulatory developments and assess their impact on the business. Prepare and review regulatory submissions, reports, and correspondence.
• Regulatory Compliance Advisory: Provide day-to-day regulatory compliance support on lending, banking-related operations, and financial products. Identify legal and regulatory risks and recommend practical, business-aligned solutions. Support structuring of transactions to ensure compliance with applicable regulations.
• Affiliate Support: Support oversight of legal and compliance matters relating to the affiliated rural bank. Track compliance obligations, regulatory requirements, and key deadlines. Assist in ensuring alignment with regulatory expectations and governance standards.
• The role will be based in Taguig City, report to the General Counsel, and may require occasional local travel.

Requirements

• 3-5 years of experience in regulatory compliance within financial services.
• Experience in a bank, rural bank, or BSP regulated lending institution.
• Familiarity with Philippine financial services regulations and BSP regulations; exposure to BSP-regulated entities is a strong advantage.

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• Ability to work cross-functionally with operations, product, and risk teams.
• Strong legal drafting, analytical, and problem-solving skills.
• This is an individual contributor role to start with. We are looking for someone who is comfortable owning and executing the work independently, with appropriate guidance and oversight.

Benefits

• Hybrid work set-up: at least 2 days per week in our BGC (central Manila) office; your choice to work in office or remote the rest of the time.
• Benefits: HMO coverage from month one, free catered lunches, monthly fitness, transportation, and accommodation allowance, and more.
• Join a team with a deeply collaborative culture! Learn more here: https://www.firstcircle.ph/careers