Manager, Compliance & Financial Crime

Accountabilities:

• • Own and continuously enhance the Canadian regulatory compliance and financial crime framework, including policies, procedures, risk assessments, training, and the required independent two-year effectiveness review.
  • Serve as the designated Compliance Officer, subject to formal appointment, and act as the primary regulatory contact with FINTRAC.
  • Maintain the organization’s Canadian MSB registration and coordinate FINTRAC examinations, information requests, regulatory submissions, and related correspondence.
  • Oversee suspicious transaction reporting and other regulatory filings, ensuring submissions are accurate, complete, appropriately documented, and delivered within required deadlines.
  • Lead customer due diligence (CDD), enhanced due diligence (EDD), politically exposed person (PEP) controls, beneficial ownership processes, and the review or approval of high-risk customers and relationships.
  • Oversee transaction monitoring and sanctions screening activities and lead complex investigations involving money laundering, terrorist financing, fraud, sanctions evasion, and related financial crime risks.
  • Maintain the Canadian money laundering and terrorist financing (ML/TF) risk assessment and approve compliance risk assessments for new products, payment corridors, partners, and material business changes.
  • Support compliance with the Retail Payment Activities Act and monitor broader Canadian regulatory developments affecting payment and remittance activities.
  • Conduct compliance due diligence on banking, payment, and outsourcing partners, including oversight of their AML, sanctions, and reporting obligations.
  • Develop and operate a risk-based compliance monitoring and testing programme, ensuring findings are documented, tracked, and remediated through to closure.
  • Provide clear, evidence-based compliance reporting to the CEO, senior management, and Board, escalating material risks and concerns promptly and independently.
  • Partner with Group Risk & Compliance and international teams to maintain consistent standards while ensuring Canadian regulatory responsibilities remain clearly owned locally.
  • Identify emerging compliance risks and recommend practical improvements to policies, controls, processes, and systems as the business and regulatory environment evolves.

  Requirements:

  • At least 5 years of professional experience in AML/ATF, regulatory compliance, financial crime, risk management, or a closely related field, including 2+ years at manager or Compliance Officer level.
  • Practical experience working within a Canadian money services business, payment or remittance provider, financial institution, regulated FinTech, or comparable regulated environment.
  • Strong working knowledge of the Proceeds of Crime (Money Laundering) and Terrorist Financing Act, related regulations, and FINTRAC guidance.
  • Demonstrated experience managing suspicious transaction investigations and regulatory reporting.
  • Strong knowledge of CDD/EDD, sanctions screening, transaction monitoring, PEP controls, beneficial ownership, and financial crime risk management.
  • Experience developing and maintaining compliance frameworks, risk assessments, policies, procedures, monitoring programmes, and remediation plans.
  • Strong analytical and investigative capabilities, with the ability to assess complex information, identify risk, and reach sound conclusions.
  • Excellent written and verbal communication skills, including the confidence to challenge senior stakeholders independently and constructively.
  • Bachelor’s degree in a relevant discipline such as law, finance, business, compliance, risk management, or a related field.
  • Professional certification such as ACAMS/CAMS, ICA, CRCM, or a Canadian equivalent is strongly preferred.
  • High standards of integrity, discretion, confidentiality, and professional judgement.
  • Ability to manage strict regulatory deadlines and competing priorities within a fast-moving, internationally distributed organization.
  • Previous appointment as a FINTRAC Compliance Officer or deputy, and experience supporting a FINTRAC examination, is an asset.
  • Knowledge of the Retail Payment Activities Act and Bank of Canada retail payments supervision is an advantage.
  • Experience with automated transaction monitoring, sanctions screening, identity verification, or compliance case-management systems is desirable.
  • Experience working across multiple countries or within a multinational financial services organization is beneficial.
  • French-language capability is an advantage but is not mandatory.
  • Must have the legal right to live and work in Canada; applicants requiring authorization to work in Canada are not eligible for this position.

  Benefits:

  • Full-time remote position based in Toronto, Ontario, with flexibility to work remotely within Canada.
  • Opportunity to take on a significant compliance leadership role within a growing international FinTech and cross-border payments environment.
  • Direct access to the CEO, senior leadership, and Board.
  • High level of ownership and autonomy in shaping the Canadian compliance and financial crime framework.
  • Opportunity to work cross-functionally with Operations, Product, Technology, Finance, Risk, and Compliance teams.
  • Exposure to Canadian financial crime, payments, regulatory, and FinTech developments.
  • Opportunity to contribute to the development and continuous improvement of a growing Canadian operation.
  • Collaborative, internationally distributed working environment.
  • Full-time employment with an experienced-level scope and meaningful regulatory responsibility.