Compliance Officer

About The Role:

We are seeking a seasoned Compliance Officer to lead and strengthen our Canadian
AML/ATF program. This is a high-visibility role at the core of our operations and growth strategy, reporting directly to the Global Head of Compliance and the Board. You will serve as a key senior leader in the compliance team with delegated responsibility of second-line oversight of our compliance and financial crime framework. This is a critical role requiring a blend of regulatory expertise, leadership, and pragmatic problem-solving to help us stay ahead in an evolving payments landscape. You’ll collaborate closely with senior leadership, the Board, the regulators, and internal stakeholders, balancing regulatory requirements with commercial realities to drive sustainable growth. You’ll be conducting objective, independent risk assessment, meeting compliance with relevant AML and ATF requirements. Strong leadership, communication and AML audit test understanding are required in order to ensure alignment with legislation and jurisdictional regulatory requirements, and internal policies and standards

What You'll Do (Responsibilities):

• Developing and maintaining the AML and CTF Compliance Program and Risk
• Assessment, which includes regularly reviewing and updating these documents
  and maintaining a record of all updates;
• Ensuring that all employees, agents and other relevant parties received
  appropriate AML and CTF training at least annually;
• Reporting the Senior Management and the Board of Directors (if applicable) on
  the status of the AML Program, including any AML Compliance Effectiveness
  Reviews (within 30 days of the issue of the report) and regulatory examinations;
• Overseeing AML Compliance Effectiveness Reviews and ensuring that the
  reviewer has sufficient knowledge of Canadian AML and CTF requirements and our business to conduct the review;
• Maintaining complete and accurate records;
• Maintain up-to-date registration and licensing with FINTRAC, the AMF, and any
  other applicable Canadian regulators.
• Corresponding with FINTRAC and the AMF and any other applicable
  regulators.
• Maintaining up to date knowledge of Canadian AML and CTF requirements as
  they apply to our business model;
• Obtaining appropriate training, including continuing education, in order to
  develop and maintain knowledge of AML and CTF compliance requirements and industry best practices.
• Review new products from compliance stand point and amend appropriate
  policies accordingly
• Lead third party compliance due diligence and manage compliance due
  diligence processes conducted by external parties

What You’ll Need To Be Successful In This Role:

• You are fluent in English and an excellent communicator
• Excellent standard of academic qualifications –BA or BS degree in a related field
• SCAMS certification or other professional qualification
• Minimum 7 years’ experience in AML/Compliance roles within financial institutions,
  with at least 3–4 years in a FinTech or payments environment
• Oversee the filing of Suspicious Transaction Reports (STRs) to FINTRAC.
• Monitor regulatory developments (e.g., PCMLTFA, RPAA, AMF guidelines) and ensure timely program updates
• Experience in risk management
• Knowledge of legal requirements and controls (e.g. Anti-Money Laundering, or
  AML)
• Familiarity with industry practices and professional standards
• Positive and flexible attitude to work particularly new initiatives
• Diplomatic in meeting and working with people, good cultural awareness
• Capable of developing and maintaining strong client relationships
• Strong analytical skills, attention to detail, highly organised
• Ability to multi-task, organise and prioritise work
• Proven ability to manage regulatory examinations and respond to findings

Why Join Paysend?

• Make a Global Impact: Directly impact millions of users worldwide
• Accelerate Your Career: Benefit from internal mobility, mentoring programs, and continuous learning opportunities
• Thrive in a Connected, Global Organization: Collaborate with colleagues across our international hubs and more
• Embrace a Principle-Driven & Focused Culture: Work in an organization guided by strong principles and values that actually help you achieve more than you thought possible
• Enjoy Competitive Compensation and Benefits: Receive a competitive salary, benefits, and flexible work arrangements