Compliance Manager - USA & Canada

CluneTech

5d•Hybrid

About The Position

The Compliance Manager – US & Canada is responsible for the end-to-end management and oversight of all compliance activities across the United States and Canada, including BSA/AML, regulatory compliance, licensing, and reporting obligations. This role provides clear ownership and accountability for the North American compliance framework, ensuring both jurisdictions operate in line with regulatory expectations while aligning to global standards. A key priority of the role is strengthening and maintaining full operational ownership of the Canadian compliance framework, including evolving requirements under FINTRAC and the Retail Payments Activities Act (RPAA), alongside maintaining a robust and effective US BSA/AML programme.

Requirements

8–12+ years’ experience in AML, financial crime, or regulatory compliance within a regulated financial institution, MSB, or fintech.
Strong knowledge of US BSA/AML requirements (FinCEN)
Strong knowledge of Canadian MSB framework (FINTRAC / PCMLTFA)
Experience managing regulatory reporting, audits, and licensing requirements.
Proven ability to operate in a hands-on role with clear ownership of compliance activities.
Experience engaging with regulators and supporting examinations.
Strong understanding of operational compliance across onboarding, monitoring, and reporting.
Accountable and detail-oriented with strong ownership mindset
Practical and commercially aware approach to compliance
Able to operate effectively in a fast-paced, multi-jurisdictional environment
Clear communicator with ability to engage across teams and senior stakeholders

Responsibilities

Take ownership of day-to-day compliance activities across the US and Canada.
Act as the primary escalation point for AML, regulatory, and compliance matters.
Ensure consistent application of global policies, adapted for jurisdiction-specific requirements.
Act as the designated BSA/AML Compliance Officer for the US entity.
Ensure adherence to FinCEN requirements and broader BSA/AML regulatory expectations.
Oversee SAR reporting, transaction monitoring, and investigative frameworks.
Maintain and enhance the effectiveness of the US AML programme.
Take full operational ownership of compliance in Canada, including FINTRAC requirements under PCMLTFA and implementation and ongoing management of RPAA obligations.
Oversee regulatory reporting, audits, and regulator engagement.
Ensure all aspects of Canadian compliance are effectively managed and embedded.
Manage regulatory reporting obligations across both jurisdictions.
Oversee annual licence renewals and ongoing regulatory filings.
Monitor regulatory developments and implement required policy and procedural updates.
Oversee CDD, EDD, transaction monitoring, and investigation processes.
Review and approve escalated high-risk customers and transactions.
Ensure consistency, quality, and timeliness in SAR/STR reporting.
Coordinate and manage internal and external audits and regulatory examinations.
Own remediation of findings through to closure.
Maintain clear governance structures and reporting lines across compliance activities.
Partner with Sales, Operations, and Global Compliance teams to embed compliance across all activities.
Provide pragmatic, risk-based guidance on onboarding and complex client scenarios.
Support business growth within defined regulatory frameworks.
Manage and develop North America compliance resources.
Reduce key-person dependency through cross-training and knowledge sharing.
Contribute to hiring, performance management, and capability development.

Benefits

Competitive pension
Flexible Working Policy with a combination of remote and office working and a flexible approach to working hours
Competitive annual leave
IVF leave
Compassion leave
Marriage leave
Maternity leave
Paternity leave
Employee-led CSR Programme, CluneTech Cares, with one paid Volunteer Day per year
Death in Service Benefit
Milestone Recognition Programme
Professional & Personal Development
Rewards & Recognition
Employee Wellbeing Programme, CluneTech Life