Compliance Analyst

About PayJoy   PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success.  Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system.  Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life.  PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.   This role Responsibilities Transaction Monitoring, Screening & Case Management • Review, analyze, and disposition transaction monitoring and screening alerts as part of the daily compliance operation, keeping a clear and auditable trail. • Investigate cases and escalate those that warrant further review to the Compliance Officer, with support on the more complex matters. • Support the preparation of cases and analysis for presentation to the local AML committee. Monitoring, Testing & Program Support • Support compliance monitoring and testing routines at local, regional, and global levels, assessing whether controls operate as designed. • Help identify control gaps and improvement opportunities, and track remediation follow-up with the relevant owners. • Contribute to the ongoing operation and improvement of the compliance program. Consumer Protection & Ethics • Support consumer protection and transparency obligations, including the review of practices, disclosures, and related controls. • Support the ethics program, including the intake and follow-up of matters raised through the ethics/whistleblowing channel, in line with established playbooks. Regulatory Reporting & Regulator Requests • Support the preparation and, where applicable, the submission of regulatory reports accurately and within deadline to the relevant regulators. • Help gather information and draft responses to regulator requests, examinations, and supervisory processes. Reporting, Metrics & Documentation • Prepare reports, dashboards, and key metrics on program performance (alerts, cases, testing results, remediation status, among others). • Support the drafting and maintenance of standard operating procedures (SOPs), and prepare presentations and supporting documentation. Audits & Supervisions • Provide operational support during internal audits and regulatory examinations, including the preparation and organization of evidence. Requirements • Bachelor's degree in Law, Accounting, Business Administration, Economics, or a related field. • Experience: 2 years of experience in compliance within the financial services or fintech sector. • Domain knowledge: basic or introductory familiarity with AML/CFT, consumer protection, and ethics; new to the function and still building industry best practices, with a strong desire to learn. • Working style: able to execute routine compliance tasks and make basic decisions independently; works on complex tasks with support or supervision. • Ownership & initiative: brings energy, proactivity, and the initiative to flag issues and propose solutions; reliable follow-through. • Languages: strong written and verbal communication in both English and Spanish is required; Portuguese is a plus. • Attention to detail, discretion, and sound judgment when handling sensitive information. • Comfort working with data, metrics, and structured processes, and collaborating across countries, cultures, and functions. • Ability to manage multiple priorities in a fast-paced, high-growth environment. Benefits • 100% Company-funded Health and dental and vision discount plan for employees and immediate family members. • Life insurance. • Phone finance, Headphone, home office equipment and wellness perks. • 30 days of Christmas bonus • 20 days paid Vacation • 50% Vacation premium • 13% Saving funds • $2,000 MXN monthly grocery coupons • $2,000 USD annual Co-working Travel perk • $2,000 USD annual Professional Development perk • Catered lunches PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.   PayJoy Principles   Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening