Country AML & Compliance Officer

Zepz•,

6d•Remote

About The Position

The Country Anti-Money Laundering & Compliance Officer, a senior level role, will be the go to individual for all Anti-Money Laundering, Counter-Terrorist Financing and Sanctions issues for our business in Canada. This person will also serve for all regulatory requirements under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), the Retail Payments Activities Act (RPAA) and the Revenue Quebec Act. They will be highly knowledgeable about the Canadian consumer, AML Laws, sanctions, and regulatory guidance, and remain abreast of regulatory developments in Canada. As a senior member of the Zepz Compliance team you will aim high, embrace challenges and always do what’s right. You will enable and protect the business whilst acting with integrity and building trust, as you contribute to the company’s innovation, direction and long term decision making.

Requirements

Established Country AML and Compliance Officer, who has previously overseen AML, sanctions and compliance framework and responsible for external reporting to the relevant authorities.
Regulatory Expertise: Steeped in CDD, EDD, partner/third party due diligence, and suspicious activity detection/investigation, and reporting. Understand compliance frameworks for risk management and internal controls. Following all Regulatory requirements under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), including the Retail Payments Activities Act -RPAA and The Revenue Quebec Act regulations and directives as applicable.
Will know how to implement best regulatory practices and resolve outstanding issues. Able to socialise best practice with the broader global compliance team.
Ability to work within ambiguity and fast-paced environment
Engaged in the day-to-day details of the role, whilst never losing strategic oversight of the control framework and having the gravitas to face off to very senior stakeholders internally.
A strong people manager, they will be a ‘multiplier’ of the talent and around them, and attract and retain high performing team members, setting a tone of positivity, accountability, and competence within the team.
Operational and Strategic Mentality - Not only develops sound and effective day to day controls but continually monitors and oversees operations to assure alignment with the business. Realises that cultivating our people is one of our best strategic choices. Can manage the tasks of the day while scanning the horizon for future threats/changes.
A genuine curiosity about AI and how it can be applied in your area of work — from accelerating analysis and insight generation, to improving how we design and deliver processes and communications.
Practical experience using AI tools in a professional context — whether to connect information, draft content, build frameworks, or create insights from data. We want people who actively use AI to increase productivity, not those who are waiting to be told to.
Strong AI literacy — an understanding of what AI assistants can and cannot do, how to prompt effectively, and how to critically evaluate AI-generated output before using it.
Awareness of the ethical considerations and responsible use of AI in the workplace, particularly in the context of sensitive data, customer experience, and compliance.

Nice To Haves

Previous experience of working in the fintech Payments sector is preferred, although candidates with broader Financial Services backgrounds will also be considered.
Prior experience using Claude (Anthropic) is a nice-to-have but not essential — what matters most is that you are genuinely engaged with AI as a tool, comfortable experimenting, and eager to share what works with your wider team.

Responsibilities

Act as Country AML and Compliance Officer for the two Zepz Canada entities (covering the WorldRemit and Sendwave brands).
Manage the local Compliance team and be responsible for quality and timeliness of their output, notably SAR and EFT fillings.
Act as chief interface between the company and regulatory bodies.
Implement financial crime and regulatory compliance programmes that enable the safe and sustainable growth of Zepz in Canada.
Implement and manage the AML and CTF programmes, anti-bribery & corruption rules, record management, exams and audits, licence registrations and oversee reporting for suspicious activity.
Conduct risk assessments, oversee training and resolve issues identified in Exams and Audits.
Producing periodic management reports for the Canadian Management Team, they will also be accountable and report into group Compliance management on the status of Canadian Compliance.
Ensure compliance with country/jurisdictional laws, regulations and company policy and procedure.
Embody a Compliance- aware culture throughout Zepz which is capable of identifying, managing and quantifying exposures.
Be responsible for regulatory reporting.
Represent Canada Compliance in group-wide governance fora.
Act as a member of the global Compliance leadership team, working with colleagues across the world to optimise the Compliance operating model.
Contribute to the company’s global policies that are Compliance-owned and, in turn, draft and own policy addenda that are owned by Canada Compliance.
Be responsible for ‘horizon scanning’ for any and all new and amended regulations that may affect Zepz’s operations across Canada , including assessment of whether our existing controls need to change in response.
Create and manage budgets for the local team.
Manage the compliance, AML, and CTF due diligence of new partners.
Involved in local partnership opportunities, vendors and banking partners if any, from a compliance perspective.