Compliance Officer - ANZ
About The Position
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. CoinFlip is a global digital currency platform company providing consumers with access to buy and sell cryptocurrency. Its offerings include a network of digital currency kiosks, CoinFlip Preferred over-the-counter services, CoinFlip Ventures, and the CoinFlip Crypto Wallet. The Melbourne team works on a hybrid model, with three days in the office and two from home. CoinFlip describes its working environment as collaborative and positive, with an emphasis on balancing productivity with time to recharge.
Requirements
- 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 Haves
- 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.
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 escalate 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 the 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.
Benefits
- Competitive salaries plus superannuation.
- Performance-based incentives.
- Competitive benefits for full-time employees.
- Fully stocked kitchen with snacks and drinks.
- Regular team events and social gatherings.
- Opportunity to grow with a global, fast-moving crypto company.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
