TodaPay is an international fintech company operating in the digital payments and financial infrastructure space across multiple jurisdictions. We support high-growth payment operations with multi-currency transactions, crypto payments, and complex corporate structures.

We are looking for an experiencedSenior AML & Compliance Specialist to strengthen our Compliance team and help build a scalable compliance framework that supports our continued growth.

This is a hands-on role for someone who enjoys solving complex compliance challenges,
designing efficient processes, and working closely with business teams.

Key Responsibilities

- Design, implement, and continuously improve AML and compliance processes, controls, and monitoring frameworks, including fraud and chargeback management.
- Develop, review, and maintain AML, compliance, and risk-related policies, procedures, and internal controls.
- Oversee customer and business partner onboarding, including KYC, KYB, sanctions screening, enhanced due diligence, and ongoing monitoring.
- Ensure compliance with applicable AML/CFT regulations and internal compliance standards.
- Support compliance with payment processing, card acquiring, and card scheme (Visa and Mastercard) requirements.
- Work closely with Product and Commercial teams to embed compliance requirements into business processes.
- Monitor regulatory developments and assess their impact on the business, recommending updates to policies and procedures where necessary.
- Contribute to the continuous improvement of internal workflows, operational efficiency, and risk management practices.
- Support internal and external audits, regulatory requests, and partner due diligence processes.

Requirements

- 3+ years of AML and compliance experience within a fintech company, Payment Service Provider (PSP), Electronic Money Institution (EMI), or another regulated financial institution.




- Strong knowledge of AML/CFT regulations, compliance frameworks, and industry best practices.
- Practical experience with payment processing, card acquiring, and the payments ecosystem.
- Good understanding of Visa and Mastercard rules and compliance requirements.
- Experience with fraud prevention, transaction monitoring, and chargeback management.
- Experience working with merchants operating in high-risk industries such as online gambling, betting, forex, crypto, or similar sectors.
- Proven experience designing, documenting, and implementing AML and compliance policies, procedures, and internal controls.
- Solid analytical skills with the ability to investigate, assess, and resolve complex or ambiguous compliance cases.
- Excellent written and spoken English.

Soft skills:

- Strong ownership mindset with the ability to work independently and take initiative.
- Pragmatic and solution-oriented approach to compliance and risk management.
- Excellent analytical thinking and sound judgment when assessing complex or ambiguous cases.
- Strong communication and stakeholder management skills, with the ability to collaborate effectively across teams.
- Ability to balance regulatory requirements with business objectives in a rapid-paced environment.
- Highly organized with exceptional attention to detail.
- Adaptable, proactive, and comfortable working in a growing fintech setting.
- High level of integrity, professionalism, and discretion when handling sensitive
- information.

We offer

- Opportunity towork inafast-growing international fintech company
- Professional growth opportunities alongside with company
- 24paid vacation days per year and 5paid sick leave days per year
- 10Public holidays days
- Anopportunity towork full remote orhybrid flexibility
- Collaborative and friendly team
- Professional education budget after 6months working inthe company
- Birthday gift bonus for all our employees

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📌 Senior AML & Compliance Specialist (Richmond)
🏢 TODA Pay
📍 Richmond