Compliance Officer

As a Compliance Officer at Mercuryo, you will support the company's expansion into the Canadian market by leading regulatory registration efforts with FINTRAC and the Bank of Canada, and by building and executing a practical AML/ATF compliance program for our crypto on-ramp and fiat remittance business. You'll work across product, legal, operations, and engineering to scale compliance alongside rapid business growth.

What you'll do

• Execute Mercuryo's Canadian regulatory roadmap, including FINTRAC money services business registration, Bank of Canada RPAA registration, renewal, amendment, and post-registration workstreams
• Coordinate inputs for FINTRAC and Bank of Canada filings and provincial submissions (e.g., Revenu Québec), including policies, business plans, safeguarding and operational risk materials, organizational records, flow-of-funds materials, and regulator forms
• Prepare first drafts, track regulator questions and deficiencies, gather responsive evidence, coordinate internal owners and external advisers, and maintain a clear record of submissions and commitments
• Support FINTRAC and Bank of Canada examination readiness and ongoing registration operations, including renewals, RPAA annual reports, amendments, and key-person or control changes
• Execute operational AML work, quality assurance, investigations, vendor due diligence, and control testing as business needs require
• Draft, review, and support implementation of Mercuryo's Canadian AML/ATF framework, including risk assessments, policies, procedures, control descriptions, and governance materials
• Document and operationalize KYC/KYB identity verification, sanctions screening, transaction monitoring, travel rule, investigations, escalation, STR and FINTRAC reporting governance, training, recordkeeping, and effectiveness review processes
• Maintain an audit-ready compliance evidence library with disciplined version control, approval records, testing evidence, training records, and issue-remediation tracking
• Partner with Product on feature and product releases from a compliance perspective, coordinate across Compliance, Legal, Product, Operations, Finance, Security, and Engineering via Jira ticket creation and followup
• Prepare agendas, capture decisions and action items, follow up with owners, identify gaps, and escalate blockers early
• Provide support on other compliance priorities as needed in a growing global fintech

What you bring

• 5-7 years of payments or fintech compliance experience with hands-on Canadian FINTRAC and/or RPAA experience
• Strong AML/ATF program execution across multiple verticals, including KYC, transaction monitoring, and sanctions screening
• High attention to detail, sound judgment, intellectual curiosity, and willingness to take ownership of follow-through
• Comfort working in a fast-moving, cross-functional, and internationally distributed environment

Nice to have

• Crypto experience, including blockchain analytics tools such as Chainalysis
• Experience working with Canadian, U.S., and European stakeholders or within a multijurisdictional company
• Relevant certification or coursework such as CAMS, CFE, ICA, ACAMS coursework, or project-management training
• US MTL experience

What we offer

• Competitive market rate salary and performance-based incentives
• 22 days annual leave with an additional 6 company days, plus bank holidays
• Comprehensive health insurance plans
• Maternity and paternity leave support
• Flexible work schedule and remote work options
• Modern offices and co-working spaces across 6 countries
• Working equipment
• Professional development and training opportunities

About Mercuryo

Mercuryo is a fintech platform blending traditional banking with decentralized finance, launched in 2018 and recognized as one of Europe's Fastest-Growing Startups 2025 by Sifted. The company partners with leading brands including Visa, Mastercard, MetaMask, Trust Wallet, Ledger, and Jupiter, and powers over 200 products across major ecosystems like Solana, Consensys, and BNB Chain. With over 7 million users and 200+ B2B partnerships, Mercuryo operates remotely across 30 countries with more than 300 professionals.