Compliance Officer - ANZ

CoinFlip Preferred LLC; Chicago (IL); Hybrid; AUD 120,000 - 170,000; Full time

Benefits offered by this job

Competitive salary

Hybrid work model

Superannuation and incentives

Team events

Job summary

CoinFlip Preferred LLC is seeking an experienced Compliance Officer to lead AML/CTF operations across Australia and New Zealand. You will report to the MLRO and drive day-to-day compliance, licensing obligations, and regulatory engagement to protect customers and ensure robust control environments.

You will monitor AUSTRAC and AFSL requirements, oversee investigations, and contribute to risk assessments while collaborating with a dynamic, global crypto team in a hybrid Melbourne setting.

Qualifications

• Bachelor’s degree in finance, accounting, law, criminology, or related field.
• 4+ years AML/CTF experience in a reporting entity (bank, remittance, payments, or digital currency exchange/VASP).
• Strong knowledge of AML/CTF Act 2006 (incl. 2024 amendments), AUSTRAC reporting obligations, and risk-based CDD/EDD.
• Knowledge of AFSL obligations, ASIC RGs (RG 78, RG 133, RG 271, INFO 225) and AFCA processes.
• Proven experience drafting SMRs/SARs and conducting complex financial crime investigations.
• Excellent written communication, able to explain findings to regulators, executives, and non-specialists.

Responsibilities

• Investigate transaction monitoring alerts and document risk-based decisions.
• Perform CDD/EDD and source-of-funds reviews.
• Identify and escalate scams, money mules, elder abuse and structuring.
• Draft and lodge SMRs/SARs and PTRs within required timeframes.
• Monitor AUSTRAC conditions, including transaction limits and scam warnings.
• Monitor AFSL obligations and licence conditions, including ASIC breach reporting.
• Manage internal dispute resolution and AFCA complaints; coordinate responses.
• Maintain compliance registers for breaches, incidents and complaints.
• Conduct sanctions and adverse media screening and resolve matches.
• Use blockchain analytics to trace funds and assess wallet risk.
• Respond to AUSTRAC, law enforcement and information requests.
• Maintain AML/CTF program, policies and procedures; support MLRO.
• Contribute to ML/TF risk assessments for products, channels and customers.
• QA/test analyst work and track remediation of findings.
• Tune monitoring rules based on emerging typologies/guidance.
• Prepare compliance MI and reporting for senior management.
• Track ANZ regulatory changes and support implementation.
• Support audits, evaluations and regulatory reviews.
• Deliver AML/CTF and scam-awareness training.
• Mentor junior analysts and review case quality.

Skills

AML/CTF experience

Regulatory reporting

Financial crime investigations

Excellent written communication

Education

Bachelor’s degree in finance

Bachelor’s degree in accounting

Bachelor’s degree in law

Bachelor’s degree in criminology

Related field

Tools

Tableau

SQL

Excel/Power BI

ACAMS

Job description

Description

CoinFlip is a global digital currency platform company focused on providing consumers with simple and secure access to buy and sell cryptocurrency. The company operates the world's largest network of cryptocurrency kiosks by transaction volume, with more than 5,500 kiosks across 49 U.S. states, Puerto Rico, Canada, Australia, New Zealand, South Africa, Italy, Panama, Brazil, Mexico, and Spain. CoinFlip’s digital currency kiosks make buying and selling major cryptocurrencies accessible for consumers who wish to purchase digital currency using cash.

CoinFlip also operates CoinFlip Preferred, a personalized over-the-counter service that provides investors with custom, white-glove support for their cryptocurrency transactions. In 2022, CoinFlip launched CoinFlip Ventures, an investment group offering coaching, funding, and networking support to early-stage crypto and web3 projects. We also offer the CoinFlip Crypto Wallet, a self‑custodial cryptocurrency wallet available for iOS and Android devices.

CoinFlip was founded in 2015 by Daniel Polotsky, Kris Dayrit, Alan Gurevich, and Ben Weiss. Headquartered in Chicago, CoinFlip placed in the top 500 on the 2021, 2022, and 2023 Inc. 5000 list, and on the 2022 and 2023 Deloitte Technology Fast 500, was named the 2021 and 2022 #1 fastest‑growing company in Chicago by Crain's, ranked in Chicago Tribune’s Top Workplaces in 2021 and 2022, and was awarded the 2021 and 2022 Stevie® Awards for Customer Service. To learn more about CoinFlip and how to get started on your digital currency journey, visit www.CoinFlip.tech.

As Compliance Officer, you’ll be a key part of CoinFlip’s compliance function across Australia and New Zealand. Reporting directly to the MLRO, you’ll lead day‑to‑day AML/CTF operations, support licensing and complaints obligations, and drive compliance oversight and regulatory engagement, keeping CoinFlip compliant and protecting customers from scams.

Responsibilities

• Investigate transaction monitoring alerts and document clear, risk‑based decisions.
• Perform CDD, EDD and ongoing due diligence, including source-of‑funds reviews.
• Identify and elevate scams, money mules, elder abuse and structuring.
• Draft and lodge high‑quality SMRs/SARs and PTRs within required timeframes.
• Monitor compliance with AUSTRAC conditions, including transaction limits and scam warnings.
• Monitor compliance with AFSL obligations and licence conditions, including ASIC breach reporting.
• Manage internal dispute resolution and AFCA complaints, including responses and remediation.
• Maintain compliance registers, including breaches, incidents and complaints.
• Conduct sanctions and adverse media screening and resolve potential matches.
• Use blockchain analytics to trace funds and assess wallet risk.
• Respond to AUSTRAC, law enforcement and information requests.
• Maintain AML/CTF program, policies and procedures and support the MLRO.
• Contribute to ML/TF risk assessments for products, channels and customers.
• QA and test analyst work, and track remediation of findings.
• Tune monitoring rules based on emerging typologies and guidance.
• Prepare compliance MI and reporting for senior management.
• Track ANZ regulatory change and support implementation.
• Support audits, independent evaluations and regulatory reviews.
• Deliver AML/CTF and scam‑awareness training.
• Mentor junior analysts and review case quality.

Qualifications

• Bachelor’s degree in finance, accounting, law, criminology, or a related field.
• 4+ years of AML/CTF experience in a reporting entity, such as a bank, remittance provider, payments business, or digital currency exchange/VASP.
• Strong working knowledge of the AML/CTF Act 2006 (including the 2024 amendments), AUSTRAC reporting obligations, and risk‑based CDD/EDD.
• Working knowledge of AFSL obligations, ASIC regulatory guides (RG 78, RG 133, RG 271 and INFO 225) and AFCA processes.
• Proven experience drafting SMRs/SARs and conducting complex financial crime investigations.
• Excellent written communication, with the ability to explain complex findings clearly to regulators, executives and non‑specialists.

Nice to have

• Hands‑on experience with blockchain analytics platforms.
• Understanding of crypto assets, wallets, on‑chain tracing and crypto‑specific typologies, such as mixers, chain‑hopping and darknet market exposure.
• Experience in crypto ATM or cash‑intensive business environments.
• Data skills (Tableau, SQL, Excel/Power BI) for monitoring and reporting.
• ACAMS certification (CAMS, or CCAS), or a willingness to obtain it within 12 months.
• Familiarity with New Zealand’s AML/CFT Act 2009 and DIA supervision.

Working at CoinFlip means collaborating with experienced and innovative leaders who share a clear vision and a track record of success. We offer a collaborative and positive working environment where we encourage employees to balance productivity with time to recharge. Our Melbourne team works on a hybrid model, with three days in the office and two from home. On office days, you’ll enjoy a fully stocked kitchen with snacks and drinks, our office claw machine (bragging rights included), and regular team events and social gatherings. Compensation is above and beyond a typical “startup”: we offer competitive salaries plus superannuation, performance‑based incentives, and competitive benefits for full‑time employees, along with the opportunity to grow with a global, fast‑moving crypto company.

CoinFlip values diversity in the workplace and is an equal opportunity employer committed to providing an inclusive and accessible work environment. We thank all candidates who apply, but only those selected for an interview will be contacted.