Senior Compliance Analyst – North America (US & Canada)

Paysend•Miami, FL

4h•Hybrid

About The Position

Paysend is seeking an experienced Senior Compliance Analyst to support its North American Compliance Program across both the United States and Canada. Operating within the second line of defense, the Senior Compliance Analyst will play a critical role in supporting the Company's regulatory compliance, financial crime compliance, regulatory reporting, examination readiness, remediation management, compliance monitoring, and risk management activities. The role will support compliance with applicable U.S. and Canadian regulatory requirements, including the Bank Secrecy Act (BSA), USA PATRIOT Act, FinCEN regulations, OFAC sanctions requirements, state money transmission laws, FINTRAC requirements, the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), the Retail Payment Activities Act (RPAA), and sponsor-bank oversight obligations. The successful candidate will act as an initiative owner for key compliance deliverables and remediation workstreams, helping ensure that Paysend maintains an effective, scalable, and sustainable compliance framework capable of withstanding regulatory review as the business continues to grow across North America. The role requires strong analytical skills, regulatory knowledge, investigative capabilities, sound judgment, and the ability to operate independently in a fast-paced fintech environment.

Requirements

Bachelor's degree in Business, Finance, Accounting, Criminal Justice, Law, Compliance, Risk Management, or a related field.
Minimum 5 years of experience in AML/BSA, sanctions, financial crime compliance, regulatory compliance, compliance monitoring, or risk management.
Experience working within a fintech, payments, remittance, money services business (MSB), bank, or regulated financial services environment.
Experience conducting investigations, sanctions reviews, and regulatory reporting activities.
Experience supporting regulatory examinations, audits, independent reviews, or remediation programs.
Strong understanding of risk-based compliance frameworks and financial crime compliance controls.
Strong analytical and investigative capabilities.
Excellent written communication and report-writing skills.
Ability to prepare regulator-defensible documentation.
Strong organizational and project management skills.
Ability to manage multiple priorities and deadlines simultaneously.
Sound judgment and risk-based decision-making abilities.
Strong attention to detail and quality standards.
Ability to work independently with limited supervision.
Ability to influence stakeholders and drive remediation initiatives to completion.
Applicants must be legally authorized to work in the United States at the time of application and throughout employment. Visa sponsorship is not available for this position.

Responsibilities

Review and investigate transaction monitoring alerts, sanctions screening alerts, unusual activity referrals, and escalated compliance cases.
Conduct risk-based investigations using customer, transaction, behavioral, geographic, and typology data to identify suspicious activity and determine appropriate disposition in accordance with internal policies and regulatory requirements.
Escalate potential AML, fraud, sanctions, or regulatory concerns as appropriate and maintain complete documentation supporting investigative conclusions.
Prepare and support Suspicious Activity Reports (SARs), continuing activity reviews, and other regulatory reporting obligations while ensuring adherence to regulatory deadlines and internal service standards.
Support sanctions compliance activities, including OFAC screening reviews, true-match analysis, reporting, testing, tuning, and control validation.
Support compliance with applicable U.S. and Canadian regulatory requirements, including money transmission, AML/ATF, sanctions, payment services, licensing, and sponsor-bank obligations.
Assist with the development, implementation, and maintenance of compliance policies, procedures, controls, regulatory inventories, compliance calendars, and change management initiatives.
Support preparation and submission of regulatory reports, filings, licensing activities, and sponsor-bank compliance reporting requirements.
Support the Canadian AML/ATF Compliance Program, including FINTRAC reporting, customer due diligence, enhanced due diligence, sanctions compliance, and policy maintenance activities.
Support implementation and ongoing maintenance of the Retail Payment Activities Act (RPAA) compliance framework, including operational risk management, issue tracking, corrective actions, and regulatory evidence management.
Support regulatory examinations, audits, independent reviews, sponsor-bank reviews, and network assessments by coordinating information requests, documentation, and regulatory responses.
Assist with remediation activities, Management Action Plans (MAPs), corrective action tracking, validation, and closure of regulatory, audit, and independent review findings.
Execute compliance monitoring, testing, and quality assurance reviews across AML, sanctions, investigations, regulatory reporting, and broader compliance activities.
Assess control effectiveness, identify emerging regulatory, financial crime, fraud, and operational risks, and recommend enhancements to systems, controls, procedures, and workflows.
Support compliance metrics, management reporting, governance reporting, and enterprise risk assessment activities.
Support responses to regulatory inquiries, subpoenas, requests for information (RFIs), law enforcement requests, and 314(a)/314(b) information-sharing activities.
Partner with Compliance, Risk, Fraud, Operations, Product, Legal, Customer Support, and Technology teams to implement compliance initiatives, communicate risks and findings, and support business growth while maintaining regulatory compliance.