Compliance Officer

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, ensures day-to-day AML execution scales with the business. 

Your Role:

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, including Jira ticket creation and followup, 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. 

What We're Looking For:

• 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.

Nice-To-Have:

• Experience working with Canadian, U.S., and European stakeholders or within a multijurisdictional company. 

• 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. 

What We Offer:

• 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.
  

Join Us!

If you're driven to be a part of the Web3 forefront and are keen to leave your mark on this rapidly evolving field, Mercuryo is an excellent choice. Discover our open positions and see how you can contribute to shaping the future!