Compliance Analyst view role

Xpaycheckout; Bengaluru; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

xPay, a Y Combinator-backed fintech, is seeking a Compliance Analyst to build and manage its compliance processes as we scale. You’ll collaborate with Legal, Risk, Operations, Product and Engineering to strengthen merchant onboarding and regulatory compliance.

This high-ownership role turns regulatory requirements into practical policies, controls and workflows, owning policies, SOPs and ongoing monitoring, including due diligence, sanctions checks, and reporting with banking partners and

Qualifications

• 4–7 years hands-on compliance experience in payments, fintech, e-commerce, banking or cross-border payments.
• Strong working knowledge of AML/CFT, KYC/KYB, beneficial ownership, due diligence, sanctions screening and SARs.
• Experience with RBI regulations, FEMA, PMLA and FIU-IND requirements.
• Understanding FATF recommendations and OFAC sanctions.
• Certifications such as CAMS, ICA or CFE are a plus.

Responsibilities

• Build and implement compliance policies, SOPs, risk assessment frameworks and internal controls.
• Own merchant onboarding compliance and due diligence activities.
• Maintain AML/CFT and ongoing compliance monitoring, plus regulatory reporting.
• Collaborate with Legal, Risk, Operations, Product and Engineering, along with banking partners and auditors.

Skills

AML/CFT

KYC/KYB

Sanctions screening

PEP checks

Regulatory reporting

Job description

xPay is a Y Combinator-backed international payments company building an international payment gateway focused on cross-border payments—making it dramatically easier for businesses to move money across borders. Our customers are B2B SaaS companies that need fast, reliable and cost-effective payment infrastructure to serve global users.

These businesses are increasingly moving their international volumes from billion-dollar companies to xPay as we expand our footprint across 180+ countries and support 25+ currencies. Since January 2025, we have grown 73× and now process over 1 million transactions every month.

Cross-border payments is a $200 trillion market. Our top customers include publicly listed, Series D and Series E companies across sectors such as EdTech and travel, processing millions through us every month.

The Role

As a Compliance Analyst, you’ll play a hands‑on role in building and managing xPay’s compliance processes as we scale. You’ll work closely with Legal, Risk, Operations, Product and Engineering to strengthen merchant onboarding and regulatory compliance.

This is a high‑ownership role for someone who can look beyond checklists, understand how a business operates and turn compliance requirements into practical processes. You’ll have the opportunity to build policies, controls and workflows from the ground up.

What You’ll Do

Build and implement compliance policies, SOPs, risk assessment frameworks and internal controls aligned with xPay’s business model and payment flows.

Own merchant onboarding compliance and due diligence, including KYC/KYB, beneficial ownership checks, CDD, EDD, PEP, sanctions and adverse‑media screening.

Maintain AML/CFT and ongoing compliance monitoring processes, support applicable regulatory reporting and ensure compliance activities are documented.

Work with Legal and other internal teams, banking partners and auditors to strengthen compliance controls, improve tools and dashboards, and support regulatory and audit requirements.

What We’re Looking For

4–7 years of hands‑on compliance experience in payments, fintech, e‑commerce, banking or cross‑border payments, with direct ownership of merchant onboarding compliance and ongoing reviews.

Strong working knowledge of AML/CFT, KYC/KYB, beneficial ownership, due diligence, sanctions screening and suspicious activity reporting.

Experience building or implementing compliance policies, SOPs and operational controls, with working knowledge of applicable RBI regulations, FEMA, PMLA and FIU‑IND requirements.

Understanding of FATF recommendations and standards, OFAC sanctions and other major sanctions frameworks.

Comfort working independently in an early‑stage environment; experience in cross‑border payments, merchant acquiring or payment aggregators, and certifications such as CAMS, ICA or CFE, are a plus.

Why xPay?

Help build and shape the compliance function from the ground up.

Work closely with founders and cross‑functional teams on decisions that have a direct impact on the business.

Solve complex compliance challenges in cross‑border payments.

Join a fast‑growing fintech backed by Y Combinator.