Senior Compliance Officer Manager

PayJoy; Ciudad de México; Presencial; MXN 60,000 - 100,000; Jornada completa

Descripción de la vacante

An established industry player is seeking a Compliance Officer to lead regulatory compliance and financial crime risk management. This role involves designing AML frameworks, managing compliance programs, and ensuring adherence to data privacy laws. The ideal candidate will have extensive experience in financial crime compliance, strong analytical skills, and the ability to collaborate across teams. Join a forward-thinking company that values diversity and fosters a culture of compliance and ethical conduct, making a significant impact in the financial services sector.

Formación

• 6+ years in AML, financial crime compliance, with 3+ years in management.
• Strong knowledge of financial crime regulations and frameworks.

Responsabilidades

• Design and maintain AML/CFT frameworks aligned with regulations.
• Lead KYC/KYB processes and oversee AML transaction monitoring.

Conocimientos

AML Compliance

Financial Crime Regulations

Data Analysis

Strategic Thinking

Interpersonal Communication

Educación

Bachelor’s degree in Law

Herramientas

Compliance Management Systems

Descripción del empleo

About PayJoy

PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2024 we have brought billions of dollars in credit to 12 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.

This role

The Compliance Officer is responsible for ensuring our adherence to applicable laws and internal policies while promoting a culture of compliance, ethical conduct, and risk awareness across the organization, by lead our Anti-Money Laundering (AML), Privacy, and Regulatory Compliance efforts locally as well lead and scale a team of Financial Crimes Operations Associates and collaborate cross-functionally with local and international teams.

Responsibilities

Regulatory Compliance & Oversight

Design, implement, and maintain AML/CFT frameworks aligned with local and global regulations (e.g., LFPORPI, FATF, BSA, OFAC).

Own and manage compliance programs for financial institutions under CNBV, Banxico, and CONDUSEF (LIC, LACP, LTOSF, etc.).

Serve as the certified Compliance Officer and primary liaison with regulators. Lead regulatory reporting, audits, and inspections.

Financial Crime & Risk Management

Lead the full lifecycle of KYC/KYB processes including onboarding, periodic reviews, and remediation.

Oversee AML transaction monitoring, customer screening, and SAR investigations.

Analyze financial crime typologies, recommend mitigation strategies, and manage related policies and systems.

Privacy & Data Protection

Ensure compliance with data privacy laws (INAI, GDPR, CCPA). Act as privacy lead for breach response and internal coordination.

Maintain and update privacy policies; promote internal governance and awareness of individual rights (ARCO).

Governance, Ethics & Due Diligence

Deploy and manage Ethics & Compliance policies (conflicts of interest, gifts, donations, memberships).

Conduct third-party due diligence and oversee compliance-related reviews with vendors and partners.

Manage external law firm relationships to ensure aligned legal support.

People & Cross-Functional Leadership

Guide casework and team performance; ensure SLA compliance and operational excellence.

Collaborate with Product, Engineering, Legal, Sales, and Risk teams to embed compliance-by-design.

Lead internal training programs and promote regulatory awareness across the organization.

Qualifications

• Bachelor’s degree in Law.
• More than 6 years of experience in in AML, AB&C, or financial crime compliance at a financial institution or regulatory body, developing internal control systems, risk rating models, and AML investigative procedures; with at least 3 years of people management experience in AML, sanctions, fraud, compliance, or operations.
• Strong knowledge of financial crime regulations and frameworks: LFPORPI, UIF guidelines, BSA/Patriot Act, FATF, OFAC, etc.
• In-depth knowledge of local financial regulations and global fintech regulatory trends.
• Strategic thinking and strong problem-solving skills; ability to navigate ambiguity and build structure.
• High proficiency in data analysis for operational performance and compliance trends.
• Strong interpersonal and executive communication skills.
• Certified Compliance Officer (Mandatory), UIF certification (Preferred) and ACAMS (Desirable).

PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

PayJoy Principles

Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening