Compliance Officer - Canada (CAMLO)

Ambition has no passport. That belief is why LemFi https://lemfi.com/en-gb/careers exists. We're the financial engine for people the world wasn't built to serve, the millions who move countries to build something better and find the financial system hasn't caught up with them yet. We started with remittances: the money people send home to the people they love. Now we run multi-currency accounts, Savings, eSIMs and Credit. Because staying connected to home and building somewhere new are not two separate things. They never were. ABOUT THE ROLE LemFi moves over $2B a month for 2M+ customers across 30+ countries. Canada is a core corridor, and the person in this seat is the most senior compliance voice in the country. You own the AML programme end to end, hold the FINTRAC relationship, and are the designated compliance officer on the Canada entity's books. This is a fully remote role that reports to the Canada entity Board of Directors and the Global Head of Compliance. You will be the primary expert on the RPAA as it comes into force, manage banking and payments partner obligations, and represent LemFi with regulators and law enforcement. There is real scope here: you are building and maintaining something that matters, not inheriting a finished programme. WHAT YOU'LL BUILD AND OWN - Own and maintain the Canada AML compliance programme, keeping it aligned with LemFi's global AML policy, FINTRAC requirements, and provincial regulations - Become LemFi's internal RPAA expert: develop the RPAA programme from the ground up and champion implementation across the business - Hold the FINTRAC relationship directly, manage MSB registration renewals, and lead regulatory and independent AML audits in Canada - Submit and oversee all regulatory filings: STRs, UARs, EFTOs, EFTIs, and any ad hoc reports required by regulators or banking partners - Maintain and develop relationships with Canadian banking and payments partners, fulfilling partner obligations including periodic reports and cooperative filings - Develop and maintain the regional AML risk assessment, identify key risk indicators, and brief the Board, CCO North America, and senior leadership on the programme's health - Guide compliance staff on Canada-specific responsibilities and engage cross-functionally wherever the global compliance team needs your expertise YOUR EXPERIENCE - At least 3 years in a senior or management compliance role at a Canada-based fintech or financial institution - Direct, hands-on experience with FINTRAC: regulatory communications, MSB registration, and licensing or registration renewals - Deep working knowledge of Canadian federal AML obligations under PCMLTFA, including STR, UAR, and EFTO/EFTI reporting - Familiarity with the RPAA and a clear view of what compliance with it requires in practice - Experience leading or managing regulatory or independent AML audits, including preparing documentation and responding to examiner findings - Track record of managing banking or payments partner relationships, including fulfilling partner-driven compliance obligations - Strong written and verbal communication: you can translate complex regulatory requirements into clear policy, and brief a Board or regulator with equal confidence NICE TO HAVE - CAMS certification or an equivalent recognised AML qualification - Experience operating within a multi-entity, multi-corridor compliance structure - Exposure to cross-border payments or remittance-specific risk typologies WHY JOIN LEMFI? Your work here puts money back into families' pockets. That's the reward, and the weight of it. You'll take on some of the hardest problems in finance alongside people who do their best work when the stakes are real. We move fast and we expect a lot, because our customers can't afford for us to do otherwise. In return you get room to own real problems, global impact you can see, and a team that won't slow you down. Bring grit and ownership and there's a place for them here. Ambition belongs here, come and show us yours. Follow us on LinkedIn https://www.linkedin.com/company/lemfi/ and Instagram https://www.instagram.com/uselemfi/ and if you haven't already, download the app on the App Store https://apps.apple.com/gb/app/lemfi/id1533066809 or Google Play https://play.google.com/store/apps/details?hl=en&id=com.lemonadeFinance.android. Don't feel that you're right for this role, but want to submit your interest in working for LemFi? You can join our talent community https://jobs.ashbyhq.com/lemfi/form/talent-community to stay in touch for future opportunities. RECRUITMENT AGENCIES NOTICE LemFi does not accept unsolicited CVs from recruitment agencies. We work only with agencies on our preferred supplier list, and only when we’ve asked them for their support. Any CVs sent to us outside this arrangement will not incur a fee.