[Hiring] Director, Financial Crime Office @KOHO

Role Description

We’re looking for an accomplished Director to lead four connected pillars of KOHO’s Compliance function: the Financial Crime Office, Regulatory Relations, Complaints Management, and second-line Compliance Testing. Reporting to the Chief Compliance Officer, you will own how KOHO detects and disrupts financial crime, how we show up in front of our regulators, how we resolve customer complaints fairly, and how we independently test that our compliance controls actually work.

It is a broad mandate, and deliberately so — these are the areas where evidence matters most. You will bring the discipline, documentation quality, and executive presence to make KOHO’s control environment demonstrably effective, while keeping the customer experience in view.

What You’ll Be Doing

• Financial Crime Office (Deputy Chief AML Officer)
  • Lead KOHO’s AML/ATF and sanctions compliance program in accordance with the PCMLTFA and its regulations.
  • Oversee transaction monitoring, alert and case management, enhanced due diligence, sanctions screening, and suspicious transaction reporting.
  • Direct KYC and customer risk rating standards.
  • Own the two-year AML effectiveness review, resulting remediation, and financial crime training.
• Regulatory Relations
  • Serve as the central point of coordination for regulators.
  • Lead the end-to-end management of regulatory examinations, reviews, and information requests.
  • Own the regulatory findings and commitments register.
  • Maintain the inventory of regulatory filings and prepare executives for regulatory meetings.
• Complaints Management
  • Own KOHO’s enterprise complaints management program.
  • Oversee handling of escalated and designated complaints.
  • Manage case flow with the external complaints body.
  • Deliver complaints reporting and root cause analysis.
• Compliance Testing
  • Own the design and delivery of KOHO’s independent Compliance Testing Program.
  • Develop the annual risk-based testing plan.
  • Maintain a quality assurance process over testing outputs.
• Team Leadership and Industry Engagement
  • Lead, coach, and develop a multi-disciplinary team.
  • Partner with Compliance Advisory and Privacy, Operational Risk, Internal Audit, Legal, and FIU.
  • Represent KOHO externally in industry associations.
  • Prepare and present decision-ready reporting to senior management.
• AI, Automation and Innovation
  • Apply AI, machine learning, RPA, and advanced analytics to transaction monitoring.
  • Lead the development of automated testing scripts and intelligent workflows.
  • Evaluate and implement emerging RegTech and financial crime technology.

Qualifications

• 10+ years of experience across AML and financial crime, compliance testing or audit, regulatory relations, or complaints within financial services.
• Deep working knowledge of Canadian consumer protection, AML, retail banking or payments, and privacy legislation.
• Direct experience managing regulatory examinations or information requests.
• Experience in regulated fintech, neobank, or direct-to-consumer financial institutions.
• Relevant designation (CAMS, CFE, CIA, CPA, CRCM, or equivalent) is an asset.

Requirements

• Ability to manage evidence and documentation rigorously.
• Composed under scrutiny during regulatory examinations.
• Passionate about empowering financial wellness.

Benefits

• Salary range: $190,000-230,000 CAD / year.
• Pay transparency based on various factors including market data and internal pay equity.