We are looking for a motivated and detail-oriented Compliance Officer to join the regulatory and compliance team of our auto-financing platform. As a SAMA-regulated fintech, compliance is central to everything we do — and this role sits right at the heart of it.
This is a hands-on position suited for an early-career compliance professional who is eager to grow within a fast-moving fintech environment. You will support the implementation and day-to-day operation of our compliance frameworks, working closely with the CCO and cross-functional teams. We value attitude and cultural fit as much as technical expertise — we want someone who is curious, proactive, and genuinely committed to doing things the right way.
Assist in managing compliance obligations across AML, KYC, consumer protection, and Fair Credit Terms aligned to SAMA frameworks.
Support the preparation of regulatory submissions, examination responses, and licensing milestone documentation.
Monitor regulatory updates from SAMA and assist in translating changes into internal policy adjustments.
Help ensure credit products, marketing materials, and customer communications meet regulatory standards prior to launch.
Maintain and update compliance policies, procedures, and control documentation under the guidance of the CCO.
Support the compliance risk register, control matrices, and exception tracking workflows.
Contribute to the company’s AML/CFT programme, including transaction monitoring, suspicious activity reporting, and sanctions screening processes.
Assist in ensuring all lending products adhere to SAMA’s consumer protection and Fair Credit Terms requirements.
Support the complaint management and resolution process in line with SAMA standards.
Review customer-facing disclosures, contracts, and fee structures for regulatory accuracy.
Embed compliance controls into day-to-day operations and product workflows with guidance from the CCO.
Deliver compliance training and awareness sessions for internal teams.
Provide first-level compliance advisory support to business lines on new products, campaigns, and partnerships.
Assist the CISO on data protection obligations under Saudi data governance regulations.
3–5 years of experience in compliance, regulatory affairs, or a related role within financial services, fintech, or banking.
Foundational understanding of SAMA’s regulatory framework, including AML/KYC, consumer lending, and data governance requirements.
Saudi national — required.
Full professional fluency in both Arabic and English is mandatory for this role.
Strong attention to detail, organisational skills, and a proactive work ethic.
Experience in a fintech, BNPL, digital lending, or auto-financing environment.
Exposure to SAMA Sandbox compliance or licensing processes.
Familiarity with Open Banking or data-sharing compliance in KSA.
Professional certifications: CAMS, ICA, or equivalent (in progress or completed).
At Soum, we build on trust, move fast, and hold ourselves to a high standard. The right Compliance Officer isn’t just technically sound — they bring the right mindset. We are looking for someone who:
Takes ownership and follows through without being chased.
Is genuinely curious about regulation and wants to understand the ‘why’ behind every rule.
Communicates clearly and confidently across teams and seniority levels.
Thrives in a fast-paced, startup environment where priorities can shift quickly.
Has a collaborative spirit and contributes positively to the team culture.
Is committed to doing things the right way — not just the easy way.
At Soum, we're on a mission to build a marketplace that enables users to buy and sell anything online with convenience, trust, and ease starting in the MENA market. We began with second-hand electronics in KSA, becoming market leaders, and are now expanding to used cars and collectibles. In just two years, we've facilitated hundreds of thousands of transactions across 150+ locations in the Kingdom, maintained 10,000 active listings at any given time, earned the distinction of being the 10th most downloaded e-commerce app in KSA for 2023, and received more than 5 million app downloads.
Our team, Soumers, have worked in over 14 countries from the US to South Korea. We are always on the look out for the best and brightest to join. We look beyond resumes and titles, we look for the innovators, the hungry, the go-getters. We offer them the autonomy to experiment, learn, fail, and grow.
Every transaction on Soum is guaranteed; we hold funds until the item is delivered and confirmed by the buyer, thanks to our proprietary fulfillment and payment systems. This ensures a secure and reliable marketplace experience.
Soum has pioneered a solution that have transformed digital commerce for sellers in the wider region:
Individuals: Enjoy unique home pick-up and delivery services, secure payments, and transaction guarantees for worry-free selling.
Small Businesses: Sell faster and reach a wider audience with our dedicated "Merchant App."
Teleco and retail partners: Gain optimal returns with bulk-selling options, comprehensive inspections, and efficient warehouse management.
We deploy AI models to power our marketplace with personalized recommendations, dynamic pricing, predictive analytics, and fraud detection, ensuring a smarter, safer, and more efficient platform for our users.
Soum is backed by local and regional investors including, amongst others, Jahez Group, Isometry Capital, and Al Rajhi Partners and have raised $22Mn to date.
