BBVA is a global banking and financial services group working to modernize how people and businesses manage money. Its activities span corporate and investment banking, fintech, and digital banking, serving 71.5 million customers through technology-enabled financial solutions. With more than 121,000 employees, BBVA brings together expertise across banking, consulting, and marketing in a collaborative environment focused on innovation, digital transformation, and professional excellence.
Customer and Digital Compliance Specialist - BBVA Madrid Hybrid
Shape global customer-protection and product-governance standards at BBVA. Assess regulation, risks, controls, and emerging issues across digital financial services and international markets.
Description
- Monitor regulatory, supervisory, and market developments in customer protection and translate them into practical criteria and frameworks.
- Help define, review, and advance BBVA’s global Customer Compliance internal regulations.
- Contribute to the Corporate Customer Conduct and Product Governance Program.
- Develop frameworks covering transparency, suitability, product governance, conflicts of interest, complaints, fees, training, custody, profiling, accessibility, and non-discrimination.
- Support strategic initiatives that establish global corporate standards.
- Contribute to core Customer and Digital Compliance activities and review the underlying risk framework.
- Assess risks linked to new products, channels, distribution models, and technologies, including digital sales, artificial intelligence, and digital assets.
- Participate in evaluating and improving the Customer Compliance risk and control framework.
- Support local teams in interpreting and applying global standards.
- Engage with regional teams, share best practices, and identify regulatory differences and emerging risks.
- Track implementation of global frameworks through indicators, risk assessments, independent reviews, and action plans.
- Prepare documents, presentations, and reports for senior management, governance bodies, supervisors, and other stakeholders.
Requirements
- Degree in business administration, law, economics, or a related discipline.
- Three to five years of relevant financial-sector experience in legal services, business, compliance, audit, risk, internal control, or a related function.
- Knowledge of financial products, services, processes, and business models.
- Strong understanding of customer-protection regulations and conduct rules.
- Knowledge or experience with MiFID or equivalent requirements, product governance, transparency, suitability and appropriateness, conflicts of interest, incentives, complaints, consumer protection, or banking conduct regulations.
- Ability to interpret regulations, supervisory guidance, and market practices and convert them into clear principles, frameworks, and recommendations.
- Analytical judgment and the ability to identify customer-protection risks.
- Ability to work independently, structure complex issues, and lead or coordinate workstreams with multiple stakeholders.
- Excellent written and verbal communication, concise synthesis, and the ability to explain complex regulatory matters clearly.
- Strong interpersonal and teamwork skills, including building trusted relationships and providing constructive challenge.
- Ability to work in a global, multicultural environment.
- Curiosity about regulatory developments, business-model changes, and emerging technologies.
- Advanced English proficiency at C1 level, both spoken and written.
Benefits
- Hybrid work arrangement.
- Full-time employment.