Compliance Officer - ANZ

CoinFlip Preferred LLC; Melbourne; Hybrid; AUD 120,000 - 180,000; Full time

Benefits offered by this job

Hybrid work model (Melbourne)

Competitive salary + superannuation

Performance-based incentives

Team events & office perks

Job summary

CoinFlip Preferred LLC is hiring an Compliance Officer to lead day-to-day AML/CTF operations across Australia and New Zealand. Reporting to the MLRO, you will drive licensing support, regulatory engagement, and risk-based due diligence, ensuring customer protection from scams.

You will monitor AUSTRAC and AFSL obligations, draft high-quality reports, and mentor junior analysts while collaborating with the wider compliance team in a hybrid Melbourne office.

Qualifications

• Bachelor's degree in finance, accounting, law, criminology or related field.
• 4+ years AML/CTF experience in a reporting entity such as a bank, remittance provider, payments business or digital currency exchange/VASP.
• Strong knowledge of AML/CTF Act 2006 including 2024 amendments and AUSTRAC reporting obligations.
• Familiar with AFSL obligations, ASIC RGs and AFCA processes.
• Experience drafting SMRs/SARs and conducting complex financial crime investigations.
• Excellent written communication for regulators, executives, and non-specialists.

Responsibilities

• Investigate transaction monitoring alerts and document risk-based decisions.
• Perform CDD/EDD and source-of-funds reviews.
• Draft and lodge SMRs/SARs and PTRs within required timeframes.
• Monitor AUSTRAC conditions and AFSL obligations.
• Manage disputes and AFCA complaints; support audits and regulatory reviews.
• Prepare regulatory MI and reporting for senior management.

Skills

AML/CTF

Regulatory reporting

Risk assessments

Investigations

Written comms

Education

Bachelor's degree in finance, accounting, law, criminology

Tools

Tableau

SQL

Power BI

Blockchain analytics

Excel

Job description

Description

CoinFlip is a global digital currency platform company focused on providing consumers with simple and secure access to buy and sell cryptocurrency. The company operates the world's largest network of cryptocurrency kiosks by transaction volume, with more than 5,500 kiosks across 49 U.S. states, Puerto Rico, Canada, Australia, New Zealand, South Africa, Italy, Panama, Brazil, Mexico, and Spain. CoinFlip’s digital currency kiosks make buying and selling major cryptocurrencies accessible for consumers who wish to purchase digital currency using cash.

CoinFlip also operates CoinFlip Preferred, a personalized over-the-counter service that provides investors with custom, white-glove support for their cryptocurrency transactions. In 2022, CoinFlip launched CoinFlip Ventures, an investment group offering coaching, funding, and networking support to early-stage crypto and web3 projects. We also offer the CoinFlip Crypto Wallet, a self‑custodial cryptocurrency wallet available for iOS and Android devices.

CoinFlip was founded in 2015 by Daniel Polotsky, Kris Dayrit, Alan Gurevich, and Ben Weiss. Headquartered in Chicago, CoinFlip placed in the top 500 on the 2021, 2022, and 2023 Inc. 5000 list, and on the 2022 and 2023 Deloitte Technology Fast 500, was named the 2021 and 2022 #1 fastest‑growing company in Chicago by Crain's, ranked in Chicago Tribune’s Top Workplaces in 2021 and 2022, and was awarded the 2021 and 2022 Stevie® Awards for Customer Service. To learn more about CoinFlip and how to get started on your digital currency journey, visit www.CoinFlip.tech.

As Compliance Officer, you’ll be a key part of CoinFlip’s compliance function across Australia and New Zealand. Reporting directly to the MLRO, you’ll lead day‑to‑day AML/CTF operations, support licensing and complaints obligations, and drive compliance oversight and regulatory engagement, keeping CoinFlip compliant and protecting customers from scams.

Responsibilities

• Investigate transaction monitoring alerts and document clear, risk‑based decisions.
• Perform CDD, EDD and ongoing due diligence, including source-of‑funds reviews.
• Identify and elevate scams, money mules, elder abuse and structuring.
• Draft and lodge high‑quality SMRs/SARs and PTRs within required timeframes.
• Monitor compliance with AUSTRAC conditions, including transaction limits and scam warnings.
• Monitor compliance with AFSL obligations and licence conditions, including ASIC breach reporting.
• Manage internal dispute resolution and AFCA complaints, including responses and remediation.
• Maintain compliance registers, including breaches, incidents and complaints.
• Conduct sanctions and adverse media screening and resolve potential matches.
• Use blockchain analytics to trace funds and assess wallet risk.
• Respond to AUSTRAC, law enforcement and information requests.
• Maintain AML/CTF program, policies and procedures and support the MLRO.
• Contribute to ML/TF risk assessments for products, channels and customers.
• QA and test analyst work, and track remediation of findings.
• Tune monitoring rules based on emerging typologies and guidance.
• Prepare compliance MI and reporting for senior management.
• Track ANZ regulatory change and support implementation.
• Support audits, independent evaluations and regulatory reviews.
• Deliver AML/CTF and scam‑awareness training.
• Mentor junior analysts and review case quality.

Qualifications

• Bachelor’s degree in finance, accounting, law, criminology, or a related field.
• 4+ years of AML/CTF experience in a reporting entity, such as a bank, remittance provider, payments business, or digital currency exchange/VASP.
• Strong working knowledge of the AML/CTF Act 2006 (including the 2024 amendments), AUSTRAC reporting obligations, and risk‑based CDD/EDD.
• Working knowledge of AFSL obligations, ASIC regulatory guides (RG 78, RG 133, RG 271 and INFO 225) and AFCA processes.
• Proven experience drafting SMRs/SARs and conducting complex financial crime investigations.
• Excellent written communication, with the ability to explain complex findings clearly to regulators, executives and non‑specialists.

Nice to have

• Hands‑on experience with blockchain analytics platforms.
• Understanding of crypto assets, wallets, on‑chain tracing and crypto‑specific typologies, such as mixers, chain‑hopping and darknet market exposure.
• Experience in crypto ATM or cash‑intensive business environments.
• Data skills (Tableau, SQL, Excel/Power BI) for monitoring and reporting.
• ACAMS certification (CAMS, or CCAS), or a willingness to obtain it within 12 months.
• Familiarity with New Zealand’s AML/CFT Act 2009 and DIA supervision.

Working at CoinFlip means collaborating with experienced and innovative leaders who share a clear vision and a track record of success. We offer a collaborative and positive working environment where we encourage employees to balance productivity with time to recharge. Our Melbourne team works on a hybrid model, with three days in the office and two from home. On office days, you’ll enjoy a fully stocked kitchen with snacks and drinks, our office claw machine (bragging rights included), and regular team events and social gatherings. Compensation is above and beyond a typical “startup”: we offer competitive salaries plus superannuation, performance‑based incentives, and competitive benefits for full‑time employees, along with the opportunity to grow with a global, fast‑moving crypto company.

CoinFlip values diversity in the workplace and is an equal opportunity employer committed to providing an inclusive and accessible work environment. We thank all candidates who apply, but only those selected for an interview will be contacted.