Compliance Analyst

Wave HQ; Toronto; On-site; CAD 65,000 - 97,000; Full time

Job summary

Wave is seeking a generalist regulatory and product compliance professional to review features, research applicable rules, and own evidence-based commitments. You’ll partner with Product and Engineering to cover payments, payroll/tax, and privacy, with a growing ownership of a regulatory lane across US/Canada markets.

In this role you’ll help keep policies, controls, and training up to date, while advancing your ability to drive risk assessments and evidence-backed decisions."

Qualifications

• 2–4 years in compliance, risk, legal or regulatory operations at a fintech, payments company, bank or other regulated business.
• Experience reviewing products, processes or content for regulatory risk.
• Comfort reading a regulation and explaining what it means in plain language.
• Strong organization: you track open items across teams and close them.
• Clear, concise writing and a habit of documenting decisions.
• Curiosity about how products work, and confidence asking engineers and product managers direct questions.

Responsibilities

• Triaging incoming compliance review requests, gathering facts from Product and Engineering, and drafting risk assessments using templates.
• Preparing draft conditions and recommendations for Leadership sign-off on Medium and High tier reviews.
• Tracking approval conditions to closure in Jira and following up with owners until evidence is in.
• Reviewing marketing content and customer communications against set guidelines.
• Researching US and Canadian requirements and writing short, clear summaries for the team.
• Monitoring regulatory change and flagging what affects Wave’s products.
• Maintaining the regulatory inventory, policy library, registration calendar and issue log.
• Keeping the compliance scorecard and KPI data current.
• Assembling evidence for processor, card network and partner audits, attestations and inquiries.
• Helping draft and maintain policies, procedures and training content.
• Spotting repetitive manual steps and helping automate them (e.g., AI assistance).

Skills

Compliance experience

Regulatory risk review

Technical writing

Engagement with engineers/PMs

Cross-functional collaboration

Tools

Jira

SharePoint

GRC tools

Job description

At Wave, we help small businesses to thrive so the heart of our communities beats stronger. We work in an environment buzzing with creative energy and inspiration. No matter where you are or how you get the job done, you have what you need to be successful and connected. The mark of true success at Wave is the ability to be bold, learn quickly and share your knowledge generously.

You’ll be the engine of our regulatory and product compliance work: reviewing what product teams are building, researching the rules that apply, and making sure every commitment we make has an owner, a date and evidence behind it.

This is a generalist seat. In a given week you might review a payments feature, check a marketing claim, track a privacy fix with Engineering and update a partner due diligence file. You’ll start with broad coverage and grow into ownership of a regulatory lane (payments and money movement, payroll and tax, or privacy and data).

Here’s how you will make an impact:

Product and marketing reviews

• Triage incoming compliance review requests, gather facts from Product and Engineering, and draft risk assessments using our templates
• Prepare draft conditions and recommendation for Leadership sign-off on Medium and High tier reviews
• Track approval conditions to closure in Jira and follow up with owners until evidence is in
• Review marketing content and customer communications against set guidelines

Regulatory research and program upkeep

• Research US and Canadian requirements and write short, clear summaries for the team and stakeholders
• Monitor regulatory change and flag what affects Wave’s products
• Maintain the regulatory inventory, policy library, registration calendar and issue log
• Keep the compliance scorecard and KPI data current

Partners and evidence

• Assemble evidence for processor, card network and partner audits, attestations and inquiries
• Help draft and maintain policies, procedures and training content

Make work easier

• Spot repetitive manual steps and help automate them (ex. AI assistance)

You Thrive Here By Possessing the Following:

Required

• 2-4 years in compliance, risk, legal or regulatory operations at a fintech, payments company, bank or other regulated business
• Experience reviewing products, processes or content for regulatory risk
• Comfort reading a regulation and explaining what it means in plain language
• Strong organization: you track open items across teams and close them
• Clear, concise writing and a habit of documenting decisions
• Curiosity about how products work, and confidence asking engineers and product managers direct questions

Nice to have

• Exposure to payments, car network rules, payroll, privacy (PIPEDA, Quebec Law 25, CCPA) or consumer protection (UDAAP, CASL)
• Experience in both US and Canadian markets
• Experience with Jira, SharePoint, and GRC tools
• CRCM, CAMS, or other Compliance/Risk certifications or interest in pursuing one

$64,800 - $97,200 a year

At Wave, we value diversity of perspective. Your unique experience enriches our organization. We welcome applicants from all backgrounds. Let’s talk about how you can thrive here!

Wave is committed to providing an inclusive and accessible candidate experience. If you require accommodations during the recruitment process, please let us know by emailing [e-mail]. We will work with you to meet your needs.

We use Google Gemini, a secure AI assistant, during interviews for note-taking purposes only. Notes are kept confidential and are not shared outside the hiring process. This allows our interviewers to stay fully focused on you during the conversation.

This advertised posting is a current vacancy.