About KOHO
We’re on a mission to make financial services better for every Canadian. That means no hidden fees, no predatory interest rates
- just financial products designed to help our users spend smart, save more, and build real wealth. We’re a performance organization with a solid heart: we care deeply about outcomes, and everything ties back to our mission
- to financially empower a generation of Canadians.
At KOHO, we’re not your average 9-5. We believe real impact comes from people who are trusted, empowered, and supported to do their best work
- without sacrificing their lives to do it. We prioritize work-life integration, not just work-life balance. That means asynchronous collaboration, flexible hours, and a remote-first setup built around autonomy and high trust.
KOHO is entering its next chapter
- leaner, smarter, more AI-integrated. We’re building for impact, not bureaucracy. If you thrive in environments that value clarity, ownership, and bold thinking, you’ll fit right in.

About The Role

We’re looking for an accomplished Director to lead four connected pillars of KOHO’s Compliance function: the Financial Crime Office, Regulatory Relations, Complaints Management, and second-line Compliance Testing. Reporting to the Chief Compliance Officer, you will own how KOHO detects and disrupts financial crime, how we show up in front of our regulators, how we resolve customer complaints fairly, and how we independently test that our compliance controls actually work.
It is a broad mandate, and deliberately so — these are the areas where evidence matters most. You will bring the discipline, documentation quality, and executive presence to make KOHO’s control environment demonstrably effective, while keeping the customer experience in view.
What You’ll Be Doing




Financial Crime Office (Deputy Chief AML Officer)Lead KOHO’sAML/ATF and sanctions compliance programin accordance with the PCMLTFA and its regulations, and own the enterprise money laundering, terrorist financing, and sanctions risk assessment.
Overseetransaction monitoring, alert and case management, enhanced due diligence, sanctions screening, and suspicious transaction reporting , including the quality and timeliness of regulatory reporting to FINTRAC.
DirectKYC and customer risk rating standards , and partner with the Financial Intelligence Unit (FIU) to close typology gaps between fraud and financial crime detection.
Own thetwo-year AML effectiveness review , resulting remediation, and financial crime training.
Regulatory RelationsServe as thecentral point of coordination for regulators , owning the cadence, quality, and consistency of KOHO’s regulatory correspondence and submissions.
Lead theend-to-end management of regulatory examinations, reviews, and information requests , including planning, evidence collection, response quality control, and issue tracking.
Own theregulatory findings and commitments register , driving remediation to validated closure.
Maintain theinventory of regulatory filingsand the record of regulatory engagement, and prepare executives and subject matter experts for regulatory plaints ManagementOwn KOHO’senterprise complaints management program , including policy, procedures, escalation pathways, and service standards.




Oversee handling ofescalated and designated complaints , ensuring fair, timely, well-reasoned outcomes and clear written responses to customers.
Manage case flow with theexternal complaints bodyand oversee reporting to the FCAC and other applicable authorities.
Delivercomplaints reporting and root cause analysis , converting complaint themes into product, process, and disclosure improvements that advance fair treatment of pliance TestingOwn the design and delivery of KOHO’sindependent Compliance Testing Program , including methodology, quality standards, and reporting.
Develop theannual risk-based testing plan , scoped and prioritized from the regulatory obligations inventory and known risk concentrations; Collaborate with Operational Risk Management (ORM) on the selection of compliance controls.
Maintain aquality assurance processover testing outputs, including work performed by co-source or business process outsourcing partners, and report results and thematic conclusions into senior management and/or Board-level reporting.
Team Leadership and Industry EngagementLead, coach, and develop a multi-disciplinary team across financial crime, testing, and complaints, building bench strength and clear career paths.
Partner withCompliance Advisory and Privacy, Operational Risk, Internal Audit, Legal, and FIUto ensure integrated risk oversight.
Represent KOHO externallyin industry associations, peer forums, and financial crime intelligence networks, staying ahead of emerging typologies, fraud trends, and regulatory developments.
Prepare and present decision-ready reporting to senior management and applicable Board-level committees.
AI, Automation and InnovationApplyAI, machine learning, RPA, and advanced analyticsto transact

📌 Director - financial crime office (deputy aml officer); head of regulatory relations and testing (Winnipeg)
🏢 KOHO
📍 Winnipeg