Responsibilities

Support the Global Head of Legal and Chief Compliance Officer in establishing, implementing, and maintaining a robust compliance and AML program.
Coordinate and manage regulatory submissions, inquiries, audits, and examinations, including preparation for and support during regulatory on-site inspections, under the direction of the CCO.
Support compliance with applicable U.S. and Canadian laws and regulations, including BSA/AML, FinCEN, OFAC, and FINTRAC requirements.
Oversee and manage the application and maintenance of Money Transmitter Licenses across U.S. states and Canadian provinces, ensuring timely and accurate regulatory filings.
Conduct annual BSA/AML risk assessments and recommend updates to policies and controls based on emerging risks and regulatory developments.
Oversee day-to-day transaction monitoring, SAR and CTR processes, and OFAC sanctions screening, including quality assurance and escalation of issues.
Provide regulatory and licensing guidance to cross-functional stakeholders, including Business, Financial Institutions, Product, and Operations teams.
Identify, assess, and manage compliance and regulatory risks, and act as a point of escalation for policy breaches or regulatory issues to the CCO and senior management.
Liaise with regulators, law enforcement agencies, and industry partners on AML/CTF matters, regulatory inquiries, examinations, and reporting obligations.
Assist in developing, reviewing, and maintaining compliance frameworks, policies, and procedures to ensure ongoing regulatory compliance.
Conduct periodic internal compliance training and support ongoing compliance risk assessments.

Qualifications

Bachelor’s degree in Business, Finance, Law, or a related field, or equivalent relevant professional experience.
7–10 years of progressive BSA/AML compliance experience within an MSB, bank, fintech, or digital asset environment.
Professional compliance certifications such as CAMS, ICA, ACFCS, or CRCM are highly desirable.
Strong knowledge of fintech, digital assets, Web3, payment institutions, and applicable legal and regulatory frameworks in the United States and Canada.
Excellent organizational and communication skills, with the ability to manage multiple priorities and collaborate effectively across teams.
Proactive, results-driven, and able to take ownership of responsibilities in a fast-paced, regulated environment.
Demonstrated ethical conduct, sound judgment, and professional integrity.
Fluency in Chinese is a plus.

PhotonPay

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