Legal and Compliance Analyst

PayJoy; Panama City (FL); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Health and dental insurance for you &

Life insurance

30 days vacation

Co-working travel perk

Professional development perk

Catered lunches

Job summary

PayJoy is seeking a Legal & Compliance Analyst to support implementation and execution of compliance controls related to local regulations and PayJoy programs. You will review and draft documents, respond to routine inquiries, and help ensure regulatory alignment with company objectives.

You will monitor local laws, update contracts, and work across departments to mitigate risks while upholding PayJoy’s standards and policies.

Qualifications

• Bachelor’s degree in law required.
• At least 1 year internship in legal or compliance.
• Strong legal reasoning and analytical skills.
• Teamwork and ethical record; ability to work with key objective metrics.

Responsibilities

• Monitor and interpret local regulations to ensure compliance with applicable laws.
• Prepare, review, and update contracts, agreements, and other legal documents.
• Respond to routine legal and compliance inquiries from internal stakeholders, providing guidance.
• Assist in designing, implementing, and monitoring compliance initiatives aligned with policies.
• Identify and address potential legal and regulatory risks, proposing solutions to reduce impact on operations.
• Work closely with other departments to ensure alignment on compliance and legal requirements.

Skills

Legal reasoning

Analytical skills

Teamwork

Education

Bachelor’s degree in Law

Job description

About PayJoy

PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.

This role

The Legal & Compliance Analyst is responsible for support implementation and execution of compliance controls related to local regulatory obligations and PayJoy programs, by reviewing and drafting documents and contracts, addressing routine legal and compliance queries, and ensuring efficient support to meet operational and regulatory needs in alignment with the company’s objectives.

Responsibilities

• Monitor and interpret local regulations to ensure the company adheres to applicable laws and avoids non-compliance risks.




• Prepare, review, and update contracts, agreements, and other legal documents to safeguard the company’s interests.




• Respond to routine legal and compliance inquiries from internal stakeholders, providing clear and accurate guidance.




• Assist in designing, implementing, and monitoring compliance initiatives to align with corporate policies and local regulations.




• Identify and address potential legal and regulatory risks, proposing solutions to reduce impact on operations.




• Work closely with other departments to ensure alignment on compliance and legal requirements in day-to-day activities and strategic projects.

Requirements

• Bachelor’s degree in Law.




• At least 1 year of internship experience in legal or compliance roles.




• Strong legal reasoning and analytical skills.




• Strong teamwork skills, a proven ethical record, and the ability to work with key objective metrics.

Benefits

• 100% Company-funded Health and Dental Insurance for employees and immediate family members


• Life insurance


• Vacations 30 days


• Phone finance, Headphone, home office equipment and wellness perks.


• $2,000 USD annual Co-working Travel perk


• $2,000 USD annual Professional Development perk


• Catered lunches

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

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.