Compliance Officer

This is a fully remote position, open to applicants in Canada.

📋 Description

• Assist in acquiring and maintaining Canadian registrations.

• Implement a practical AML/ATF compliance program for the cryptocurrency on/off-ramp and fiat remittance sectors.

• Support Mercuryo's regulatory strategy in Canada, including the registration, renewal, amendment, and post-registration processes for FINTRAC money services business and Bank of Canada RPAA.

• Coordinate contributions for submissions to FINTRAC, Bank of Canada, and provincial bodies, including policies, business plans, safeguarding and operational risk materials, organizational documentation, flow-of-funds information, and forms required by regulators.

• Prepare initial drafts, monitor regulator inquiries and gaps, collect necessary evidence, liaise with internal stakeholders and external advisors, and maintain documentation of submissions and commitments.

• Aid in ensuring readiness for FINTRAC and Bank of Canada examinations and support ongoing registration activities, including renewals, annual RPAA reports, amendments, and changes in key personnel or control.

• Conduct operational AML tasks, quality assurance, investigations, vendor due diligence, and control testing.

• Draft, review, and assist in implementing the Canadian AML/ATF framework, which includes risk assessments, policies, procedures, control descriptions, and governance documents.

• Assist in documenting and operationalizing KYC/KYB identity verification, sanctions screening, transaction monitoring, travel rule compliance, investigations, escalation procedures, STR, and FINTRAC reporting governance, training, record-keeping, and effectiveness review processes.

• Maintain an audit-ready library of compliance evidence, including version control, approval records, testing documentation, training materials, and issue remediation tracking.

• Collaborate with the Product team on feature and product launches from a compliance perspective.

• Manage projects across Compliance, Legal, Product, Operations, Finance, Security, and Engineering, including creating and following up on Jira tickets.

• Prepare meeting agendas, document decisions and action items, follow up with responsible parties, identify gaps, and escalate any blockers promptly.

• Provide assistance on other compliance priorities as required within a growing global fintech environment.

⛳️ Requirements

• 5-7 years of experience in payments/fintech compliance, including hands-on experience with Canadian FINTRAC and/or RPAA.

• Proven track record in executing strong AML/ATF programs across various areas (KYC, TM, Sanctions, etc.).

• Exceptional attention to detail, sound judgment, intellectual curiosity, and a readiness to take ownership of follow-through.

• Ability to thrive in a fast-paced, cross-functional, and internationally distributed environment.

• Experience with cryptocurrencies is advantageous, including familiarity with blockchain analytics tools, preferably Chainalysis.

• Experience working with Canadian, U.S., and European stakeholders or within a multinational organization is a plus.

• Relevant certifications or coursework, such as CAMS, CFE, ICA, ACAMS coursework, or project management training, are beneficial but not mandatory.

• Experience with US MTL is advantageous but not required.

🏝️ Benefits

• Competitive salary aligned with market standards and performance-based incentives.

• 22 days of annual leave plus an additional 6 company holidays, in addition to public bank holidays.

• Comprehensive health insurance plans.

• Support for maternity and paternity leave.

• Extensive benefits program.

• Flexible working hours and the option to work remotely.

• Modern office spaces and co-working facilities across 6 countries.

• Provision of necessary working equipment.

• Opportunities for professional development and training.

• Ability to influence the initiatives you are involved in.

• A diverse and friendly team culture.

• We welcome and encourage new ideas.