Senior Compliance Officer – US & CanadaMaking sure you fit the guidelines as an applicant for this role is essential, please read the below carefully.
About the role:
We’re looking for an experienced Senior Compliance Officer to lead our AML/CFT and sanctions compliance programmes across the United States and Canada. This is a hands-on, high-impact role within a B2B cross-border payments fintech, offering the opportunity to take ownership of regulatory compliance across two jurisdictions and work directly with senior management, the Board, regulators and banking partners. The successful candidate will bring proven BSA/AML experience within an MSB or fintech environment, alongside practical experience in crypto or virtual asset compliance. You’ll play a key role in ensuring our compliance framework supports sustainable growth while meeting complex US and Canadian regulatory requirements.
Key Responsibilities:- AML/CFT & Sanctions Compliance
- Own and maintain the US BSA/AML and OFAC sanctions programmes, alongside the Canadian PCMLTFA compliance programme.
- Maintain the enterprise-wide AML risk assessment and ensure policies and controls evolve with the business.
- Assess new products, payment corridors and partnerships for regulatory and financial crime risks.
KYC, Monitoring & Investigations:
Oversee KYC, KYB, enhanced due diligence and beneficial ownership checks.
Manage transaction monitoring, sanctions screening, alert escalation and control effectiveness.
Lead investigations into suspicious activity and make decisions on SAR and STR filings.
Ensure regulatory reports, including CTRs and other prescribed filings, are completed accurately and on time.
Regulatory Licensing & Engagement:- Manage FinCEN MSB registration, applicable US state money transmitter licensing and NMLS filings.
- Oversee FINTRAC MSB registration, applicable Québec licensing and relevant Retail Payment Activities Act requirements.
- Act as the primary contact for regulators, examinations, banking partners and payment providers.
- Coordinate independent AML reviews and effectiveness assessments, ensuring findings are addressed promptly
- Governance & Training
- Deliver compliance reporting to senior management and the Board.
- Own the AML/CFT training programme and keep pace with regulatory developments.
- Maintain effective relationships with regulators and banking partners while ensuring compliance remains independent of commercial objectives.
What We’re Looking For:
Essential experience2–5 years of hands-on BSA/AML compliance experience within an MSB or fintech business.
Mandatory hands-on crypto or virtual asset compliance experience.
Strong working knowledge of the Bank Secrecy Act (BSA), FinCEN regulations and OFAC sanctions requirements.
Practical experience with SAR and CTR filings, transaction monitoring and sanctions screening.
Experience preparing for or managing regulatory examinations or independent AML reviews.
Experience with state-licensed money transmitters or MSBs, ideally including the Wyoming Division of Banking.
Working knowledge of Canadian AML requirements, including the PCMLTFA and FINTRAC guidance.
A relevant professional certification, such as CAMS, CRCM or an equivalent qualification.
Desirable:
Experience with compliance technology, such as Sumsub or similar KYC and monitoring platforms. Experience managing a compliance programme spanning both the US and Canada.
The Ideal Candidate:
You’re a proactive, commercially aware compliance professional who combines strong regulatory judgement with a practical, hands-on approach. You’re comfortable operating in a growing fintech environment, making independent risk-based decisions and communicating complex regulatory matters clearly to senior stakeholders. You understand when risks can be mitigated and when customer relationships or transactions should be declined, restricted or exited. Interested? xhqgsiq If you have hands-on MSB or fintech compliance experience, mandatory crypto compliance expertise and the ambition to own a cross-border compliance programme, we’d love to hear from you. Apply now to be considered for the role.
