Senior Compliance Analyst – North America (US & Canada)

Job description

Location: Miami, FL Work Model: Hybrid (regular attendance in the Miami office approximately 1–2 days per week, subject to business needs) Level: Senior Individual Contributor Experience: Minimum 5 years of relevant compliance experience About The Role: 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. What You'll Do (Responsibilities): Financial Crime Compliance • 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. Regulatory Compliance & Governance • 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. Canadian Compliance Support • 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. Regulatory Examinations, Audits & Remediation • 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. Compliance Monitoring, Testing & Risk Management • 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. Regulatory Requests & Cross-Functional Collaboration • 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. What You’ll Need To Be Successful In This Role: 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. Skills & Competencies 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. Work Authorization 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. Reasonable Accommodation Paysend is committed to providing reasonable accommodations to qualified individuals with disabilities throughout the recruitment process and employment. Applicants requiring accommodation to participate in the application or interview process should contact the Talent Acquisition team. Equal Employment Opportunity Paysend is an Equal Opportunity Employer and is committed to creating an inclusive workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, creed, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation, gender identity or expression, national origin, ancestry, age, disability, genetic information, marital status, military or veteran status, citizenship status where protected by law, or any other characteristic protected by applicable federal, state, or local law. Additional Information Employment with Paysend is contingent upon successful completion of applicable pre-employment screening, which may include employment verification, education verification, reference checks, and background screening, where permitted by applicable law. Personal information submitted during the recruitment process will be processed in accordance with applicable privacy laws and Paysend's Applicant Privacy Notice. Why Join Paysend? Make a Global Impact: Join a company that is transforming how people and businesses move money around the world. Your work will contribute to products and services that help millions of customers stay connected globally. Own Meaningful Outcomes: We empower our people to take ownership, make decisions, and drive real impact. You'll have the opportunity to shape solutions, challenge the status quo, and see the results of your work firsthand. Grow with Us: As a fast-growing global fintech, we offer opportunities to learn, develop new skills, take on new challenges, and advance your career across functions and geographies. Collaborate with Exceptional People: Work alongside talented colleagues from diverse backgrounds and disciplines who are united by a shared ambition to build, innovate, and deliver great outcomes for our customers. Move Fast and Make Things Happen: We value action, curiosity, and continuous improvement. You'll be part of a culture that encourages experimentation, embraces change, and focuses on delivering meaningful results. Be Part of Our Journey: We're building the future of the global money movement. Join us at an exciting stage of growth where your ideas, expertise, and contributions can help shape what's next.