Compliance Officer

Mercuryo; Canada; Remote; CAD 90,000 - 150,000; Full time

Job summary

Mercuryo in Canada is seeking an experienced Compliance Officer to manage Canadian AML/ATF compliance, FINTRAC and RPAA registrations, and ongoing regulatory readiness for crypto-on/off ramp operations. The role requires collaboration across Legal, Product, Operations, and Finance to scale controls with business growth.

The team emphasizes an AI-driven, remote-first culture with international reach, and offers opportunities to shape regulatory strategy across markets.

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 international environment.

Responsibilities

• Coordinate FINTRAC and Bank of Canada filings, renewals, amendments, and post-registration work.
• Build out AML/ATF framework, including policies, procedures, controls, and governance materials.
• Collaborate with Product and cross-functional teams to ensure compliance in product releases.

Skills

FINTRAC experience

RPAA registration

AML/ATF program

Policy drafting

Job description

Hi! We're Mercuryo , and we're on a mission to redefine finance by blending the best of traditional banking with the power of decentralized finance (DeFi). We believe everyone deserves seamless access to Web3 and traditional financial services, so we're building the platform that makes it real: one that simplifies crypto and integrates it into the broader financial ecosystem. Since launching in2018, we've grown into a recognized force in the industry, named one of Europe's Fastest-Growing Startups2025 by Sifted and awarded Best Crypto On-Ramp & Payments Solution2025 by Cryptonomist. We've partnered with leading brands including Visa, Mastercard, MetaMask, Trust Wallet, Ledger, and Jupiter, powering over 200 products and collaborating directly with major ecosystems like Solana, Consensys, and BNB Chain.

Why Mercuryo ?

Industry Impact Join us in helping world-class Web3 projects onboard millions of new users into the next generation of finance.

Innovative Environment

Collaborate with more than 300 talented professionals from diverse backgrounds - including banking, SaaS, and Web3 - all united in delivering outstanding user experiences.

AI-First Culture

We actively integrate AI across the company, from operations and analytics to marketing and product workflows. It helps teams move faster, improve productivity, and focus on high-impact work - while maintaining human oversight and accountability at every step. We see AI as a core part of how our teams innovate, collaborate, and scale.

Growth and Learning

Our expanding network of 200+ B2B partnerships and a user base of over 7 million means there's always room to grow your skills, tackle new challenges, and push boundaries.

Flexible Culture

We're remote-first, celebrating diversity across 30 countries. At Mercuryo , you'll be empowered to take ownership of your work, spark creativity, and shape how we move forward together.

About the role

We're hiring a n 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 escalation 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 internatio