Job Summary

Accept/Pay Global Inc. (“APG”) is the regulated Canadian operating entity within the Frame group. APG is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider under the Retail Payment Activities Act. Frame is building the settlement layer for global finance.

Frame is a startup, and roles here are built to extend beyond their original scope. That is part of what makes working at a smaller company exciting, your responsibilities will be diverse, combining a genuine area of deep expertise with the flexibility to contribute wherever the business needs you next.

What You Will Do

TRANSACTION MONITORING AND ALERT DISPOSITION

- Work the daily alert queue across APG’s monitoring rule set: velocity, structuring, counterparty concentration, returns and chargeback anomalies, and third-party payment patterns.
- Investigate unusual activity end to end.
- Recommend threshold and logic changes where alerts are producing noise or missing genuine risk.

CUSTOMER DUE DILIGENCE: KYC AND KYB

- Run onboarding due diligence on corporate clients: constitutive documents, ownership and control structures, ultimate beneficial ownership to the required threshold, and third-party determination.
- Customer risk assessments.
- Enhanced due diligence files on higher risk clients.
- Deliver periodic reviews to schedule.

SCREENING

- Assess and dispose of sanctions, politically exposed persons, and adverse media matches.
- Escalate true and probable matches.

INVESTIGATIONS, REPORTING AND ESCALATION

- Build evidence-based case files supporting suspicious transaction reports, terrorist property reports, and large cash or large virtual currency transaction reporting where applicable.
- Draft the narrative:



clear, factual, and defensible.
- Escalate to the MLRO with a recommendation attached.

REGULATORY AND CONTROL ALIGNMENT

- Support internal testing, the two-year compliance effectiveness review cycle, and the remediation items arising from them.
- Support banking partner and regulator information requests with accurate, sourced answers.

UNDERWRITING SUPPORT

- Extend into some merchant underwriting activities alongside the onboarding team as capacity allows, easing the concentration risk
- Work with the underwriting owner to share workload during peak onboarding periods, building toward broader underwriting coverage over time.

AUTOMATION AND AI

- Bring in depth knowledge of risk and fraud systems, and a genuine interest in how to get more out of them.
- Use AI tools hands on to speed up and improve the quality of AML and risk work, from case narratives to control testing.
- Proactively identify where automation can reduce manual review time without weakening control quality.

MERCHANT SUPPORT

- Extend, where needed, into merchant facing support work adjacent to AML and risk, including AML refreshes, investigations into accounts, and more complex support questions.
- Work directly with merchants and with vendors to investigate issues and improve process flow.
- Partner with the support and operations teams so complex,



risk adjacent tickets are resolved by someone with the right expertise on hand.

What We Are Looking For

REQUIRED

- 4 to 5+ years in AML, KYC/KYB, or financial crime compliance, ideally inside a Canadian MSB, PSP, bank, or fintech.
- Working knowledge of the PCMLTFA and its regulations, FINTRAC guidance, and how the reporting obligations are met in practice.
- Hands on experience with automated onboarding or identity verification platforms, transaction monitoring systems, and sanctions screening tools.
- Fraud investigation experience.
- Proficient in using AI to enhance the quality and pace of your work.
- Strong written communication skills.
- Comfortable in a startup environment where responsibilities shift and expand as the business grows, and willing to contribute across AML, risk, underwriting, and merchant support as needed.

STRONGLY PREFERRED

- CAMS or CFCS designation, or active progress toward one.
- Exposure to the Retail Payment Activities Act regime and Bank of Canada PSP obligations.
- Experience in fraud risk management.
- Virtual currency exposure: the virtual currency travel rule, blockchain analytics tooling, or VASP onboarding.
- Third party payment processor, lending, or marketplace client experience.

Join us as a Senior AML / Risk and Support Analyst to play a vital role in protecting our organization from financial crime while fostering a culture of integrity and compliance! Reach out to Christine at [email protected]

Pay: $75,000.00-$95,000.00 per year

Benefits

- Dental care
- Extended health care
- Flexible schedule
- Vision care
- Work from home

Work Location: Hybrid remote in Toronto, ON M5H 1A1

📌 SENIOR AML / RISK AND SUPPORT ANALYST (Toronto)
🏢 Frame XYZ
📍 Toronto