Junior Compliance Officer

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

📋 Description

• Execute the due diligence processes for clients (KYC), companies (KYB), and payment providers (KYP), which includes file reviews, risk analysis, and issuing acceptance or rejection opinions in collaboration with the onboarding team.

• Act as the compliance officer before the CNBV for Monato's regulated entities, addressing requirements, observations, inspection visits, and submitting periodic reports to the regulator.

• Manage the AML program for the regulated entities, including transaction monitoring and risk alert management.

• Identify and implement improvements and automations in the onboarding workflows, serving as a liaison with product and technology teams to optimize timelines, reduce manual intervention, and enhance the customer experience.

• Keep manuals, policies, and procedures for customer and user identification and knowledge up to date, ensuring they reflect best practices and applicable regulatory changes.

• Design and report compliance and onboarding metrics, including performance dashboards, minutes from Client and Compliance Committees, and periodic KPIs for the executive team.

⛳️ Requirements

• 3 to 4 years of experience in compliance, AML, or operational legal roles within regulated financial entities: IFPE, money transmitters, SOFOM, banks, or fintechs.

• Essential: hold a valid compliance officer certification issued by the CNBV.

• Bachelor’s degree in Law, Finance, International Relations, or a related field (degree required).

• Proven experience executing KYC/KYB files, issuing opinions, and managing AML programs, including addressing CNBV/UIF regulatory requirements.

• Practical knowledge of the AML/CFT framework in Mexico: General provisions (CNBV) applicable to IFPEs, transmitters, and SOFOMs, obligations of the LFPIORPI, LGOAAC, Fintech Law (LRITF), and virtual asset regulation.

• Analytical skills and a focus on process improvement, with attention to detail to identify inconsistencies, warning signs, and regulatory gaps.

• Advanced English (written and spoken) to review international documentation and coordinate with offshore counterparts.

• Experience with digital KYB/AML platforms and automation tools such as RPA, workflows, or no-code/low-code (nice to have).

🏝️ Benefits

• A role with real ownership over compliance and onboarding for Monato's regulated entities.

• Direct exposure to the B2B payments industry in Mexico and interaction with regulators (CNBV, UIF).

• Room to experiment, propose, and build automations in compliance processes.

• Accelerated professional growth within a fintech in the construction and scaling phase.

• A flexible work culture focused on execution.