We are a fast-growing international fintech company building the next generation of seamless payment solutions. Already registered as a Money Services Business (MSB) with FINTRAC and preparing for Bank of Canada (RPAA) supervision, we operate with a lean, agile startup mindset. We are looking for an experienced, hands-on CAMLO / MLRO to lead and scale our Canadian AML/ATF compliance framework from the ground up - without corporate bureaucracy.

What You Will Do
Regulatory Ownership: Act as the designated CAMLO/MLRO, serving as the primary liaison with FINTRAC, the Bank of Canada, and local regulatory bodies.
Program Architecture: Build, maintain, and continuously refine our AML/CTF policies, risk assessment frameworks, and transaction monitoring protocols tailored to Canadian law.
Reporting & Audits: Oversee mandatory statutory reporting (STRs, LCTRs, LVTRs), maintain audit-ready documentation, and manage independent compliance reviews.
Cross-Functional Collaboration: Partner directly with Product, Engineering, and Operations teams to embed compliant, friction-free AML checks into our core payment products.
Regulatory Horizon Scanning: Stay ahead of evolving regulatory shifts (PCMLTFA updates, Bank of Canada RPAA guidelines) and proactively adapt our internal controls.

What You Bring




Canadian Expertise: 3–5+ years of direct AML/Compliance experience within the Canadian financial ecosystem (Fintech, MSB, Payments, or Neobanking).
Deep Regulatory Knowledge: Thorough understanding of the PCMLTFA, FINTRAC guidelines, and emerging Bank of Canada frameworks.
Certifications: CAMS or CFCS designation is highly desirable.
Startup Mindset: Highly pragmatic and execution-oriented - you know how to build effective compliance controls in a fast-paced, high-growth environment.
Work Authorization: Must currently reside in Canada and be legally authorized to work in Canada (Citizenship, Permanent Residency, or valid Work Permit).

What We Offer
Competitive Compensation
Advantages Package
Work-Life Balance & Flexibility
Impact & Ownership: High autonomy to build a compliance program your way in an international scaling workplace.

Diversity & Inclusion

We are an equal chance employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. If you require accommodation during the recruitment process, please let us know.

Pay: $105,000.00-$135,000.00 per year

Work Location: Hybrid remote in Toronto, ON (Toronto District)

📌 Chief Anti Money Laundering Officer Camlo / Mlro Toronto (Canada)
🏢 emoni
📍 Canada