[Hiring] Compliance Officer @Mercuryo

Role Description

We’re hiring an experienced Compliance Officer with strong Canadian AML and FINTRAC and/or Retail Payment Activities Act (RPAA) experience to assist with Canadian registration acquisition and maintenance and to execute a practical AML/ATF compliance program for our crypto on/off ramp and fiat remittance business. This role is instrumental in the Canadian regulatory roadmap, collaborates in many cross-functional initiatives, and ensures day-to-day AML execution scales with the business.

• Canadian registrations (FINTRAC MSB + Bank of Canada RPAA)
  • Support execution of Mercuryo's Canadian regulatory roadmap, including FINTRAC money services business registration, Bank of Canada RPAA registration, renewal, amendment, and post-registration workstreams.
  • Coordinate inputs for FINTRAC and Bank of Canada filings and provincial submissions (e.g., Revenu Québec), including policies, business plans, safeguarding and operational risk materials, organizational records, flow-of-funds materials, and regulator forms.
  • Prepare first drafts, track regulator questions and deficiencies, gather responsive evidence, coordinate internal owners and external advisers, and maintain a clear record of submissions and commitments.
  • Support FINTRAC and Bank of Canada examination readiness and ongoing registration operations, including renewals, RPAA annual reports, amendments, key-person or control changes.
• AML/ATF framework buildout and operation
  • Execute operational AML work, quality assurance, investigations, vendor due diligence, and control testing as business needs require.
  • Draft, review, and support the implementation of Mercuryo's Canadian AML/ATF framework, including risk assessments, policies, procedures, control descriptions, and governance materials.
  • Help document and operationalize KYC/KYB identity verification, sanctions screening, transaction monitoring, travel rule, investigations, escalation, STR and FINTRAC reporting governance, training, recordkeeping, and effectiveness review processes.
  • Maintain an audit-ready compliance evidence library with disciplined version control, approval records, testing evidence, training records, and issue-remediation tracking.
• Project coordination and cross-functional execution
  • Partner with Product on feature and product releases from a compliance perspective, and coordinate projects across Compliance, Legal, Product, Operations, Finance, Security, Engineering.
  • Prepare agendas, capture decisions and action items, follow up with owners, identify gaps, and escalate blockers early.
  • Provide support on other compliance priorities as needed in a growing global fintech.

Qualifications

• 5-7 years payments/fintech compliance with required hands-on Canadian FINTRAC and/or RPAA experience.
• Strong AML/ATF program execution across multiple verticals (KYC, TM, Sanctions, etc).
• High attention to detail, sound judgment, intellectual curiosity, and willingness to take ownership of follow-through.
• Comfort working in a fast-moving, cross-functional, and internationally distributed environment.
• Crypto experience helpful, including blockchain analytics tools, preferably Chainalysis.

Requirements

• Experience working with Canadian, U.S., and European stakeholders or within a multijurisdictional company (nice-to-have).
• Relevant certification or coursework (for example, CAMS, CFE, ICA, ACAMS coursework, or project-management training) is a plus but not required.
• US MTL experience is a plus but not required.

Benefits

• Competitive market rate salary and performance-based incentives.
• 22 days annual leave with an additional 6 company days, plus bank holidays.
• Comprehensive health insurance plans.
• Maternity & Paternity leave support.
• Extensive benefits program.
• Flexible work schedule and remote work options.
• Modern offices and co-working spaces across 6 countries.
• Working equipment.
• Professional development and training opportunities.
• Opportunity to shape the initiatives you’re working on.
• Diverse and friendly team.
• We are open-minded to new ideas.