Senior AML & Compliance Specialist

TODA Pay; Richmond; On-site; CAD 90,000 - 135,000; Full time

Benefits offered by this job

Remote or hybrid work

Birthday gift bonus

Education budget after 6 months

24 vacation days per year

Job summary

TodaPay is seeking a Senior AML & Compliance Specialist to strengthen our Compliance team and build a scalable framework for growth in the Canadian market. This hands-on role designs efficient processes and collaborates with Product and Commercial teams to embed compliance across business operations.

The ideal candidate has 3+ years in AML/compliance within fintech or regulated finance, with strong knowledge of AML/CFT, KYC/KYB, and payments ecosystems.

Qualifications

• 3+ years of AML and compliance experience in fintech or regulated financial services.
• Experience with KYC/KYB, sanctions screening, and enhanced due diligence.

Responsibilities

• Design, implement, and improve AML and compliance processes, controls, and monitoring frameworks.
• Develop, review, and maintain AML, compliance, and risk-related policies and procedures.
• Oversee onboarding, including KYC, KYB, sanctions screening, and ongoing monitoring.
• Ensure compliance with AML/CFT regulations and internal standards.
• Collaborate with Product and Commercial teams to embed compliance in business processes.
• Monitor regulatory developments and update policies as needed.
• Support audits, regulatory requests, and due diligence processes.

Skills

AML & Compliance

KYC/KYB

Sanctions Screening

Due Diligence

Regulatory Knowledge

Fraud Prevention

Transaction Monitoring

High-Risk Industries

Policy Development

English Proficiency

Job description

TodaPay is an international fintech company operating in the digital payments and financial infrastructure space across multiple jurisdictions. We support high-growth payment operations with multi-currency transactions, crypto payments, and complex corporate structures.

We are looking for an experiencedSenior AML & Compliance Specialist to strengthen our Compliance team and help build a scalable compliance framework that supports our continued growth.

This is a hands-on role for someone who enjoys solving complex compliance challenges,
designing efficient processes, and working closely with business teams.

Key Responsibilities

• Design, implement, and continuously improve AML and compliance processes, controls, and monitoring frameworks, including fraud and chargeback management.


• Develop, review, and maintain AML, compliance, and risk-related policies, procedures, and internal controls.


• Oversee customer and business partner onboarding, including KYC, KYB, sanctions screening, enhanced due diligence, and ongoing monitoring.


• Ensure compliance with applicable AML/CFT regulations and internal compliance standards.


• Support compliance with payment processing, card acquiring, and card scheme (Visa and Mastercard) requirements.


• Work closely with Product and Commercial teams to embed compliance requirements into business processes.


• Monitor regulatory developments and assess their impact on the business, recommending updates to policies and procedures where necessary.


• Contribute to the continuous improvement of internal workflows, operational efficiency, and risk management practices.


• Support internal and external audits, regulatory requests, and partner due diligence processes.

Requirements

• 3+ years of AML and compliance experience within a fintech company, Payment Service Provider (PSP), Electronic Money Institution (EMI), or another regulated financial institution.


• Strong knowledge of AML/CFT regulations, compliance frameworks, and industry best practices.


• Practical experience with payment processing, card acquiring, and the payments ecosystem.


• Good understanding of Visa and Mastercard rules and compliance requirements.


• Experience with fraud prevention, transaction monitoring, and chargeback management.


• Experience working with merchants operating in high-risk industries such as online gambling, betting, forex, crypto, or similar sectors.


• Proven experience designing, documenting, and implementing AML and compliance policies, procedures, and internal controls.


• Strong analytical skills with the ability to investigate, assess, and resolve complex or ambiguous compliance cases.


• Excellent written and spoken English.

Soft skills:

• Strong ownership mindset with the ability to work independently and take initiative.


• Pragmatic and solution-oriented approach to compliance and risk management.


• Excellent analytical thinking and sound judgment when assessing complex or ambiguous cases.


• Strong communication and stakeholder management skills, with the ability to collaborate effectively across teams.


• Ability to balance regulatory requirements with business objectives in a fast-paced environment.


• Highly organized with exceptional attention to detail.


• Adaptable, proactive, and comfortable working in a growing fintech environment.


• High level of integrity, professionalism, and discretion when handling sensitive


• information.

We offer

• Opportunity towork inafast-growing international fintech company


• Professional growth opportunities alongside with company


• 24paid vacation days per year and 5paid sick leave days per year


• 10Public holidays days


• Anopportunity towork full remote orhybrid flexibility


• Collaborative and friendly team


• Professional education budget after 6months working inthe company


• Birthday gift bonus for all our employees