Compliance & Risk Officer - Fintech at King of CMS Consulting

Job Description

• We are seeking an experienced Compliance & Risk Officer to build and lead the compliance framework for our cross-border remittance and POS operations.
• Must have deep expertise in AML, international money transfer regulations, and licensing in Canada and Nigeria. You will ensure we scale safely while meeting all regulatory obligations.

Key Responsibilities
Regulatory Licensing & Relations:

• Lead and manage applications for International Money Transfer Operator (IMTO),Payment Service Provider, and other required licenses in Canada (FINTRAC/MSB) and Nigeria (CBN).
• Serve as the primary liaison with regulatory bodies, auditors, and banking partners.

Compliance Program Design:

• Develop and maintain a comprehensive compliance framework coveringAML/CFT, KYC, data privacy (PIPEDA/GDPR), and payment regulations.
• Draft and enforce internal policies, procedures, and controls for all fintech operations.

Monitoring & Reporting:

• Oversee transaction monitoring, suspicious activity reporting, and risk assessments.
• Implement automated tools for real-time AML/KYC checks and fraud detection.
• Prepare regulatory filings, periodic reports, and compliance certifications.

Training & Culture:

• Conduct staff training on compliance obligations, ethical standards, and fraud prevention.
• Promote a culture of compliance across product, engineering, and operations teams.

Advisory & Risk Management:

• Advise leadership on emerging regulatory changes and their impact on product design and market expansion.
• Identify, assess, and mitigate operational and financial compliance risks.

Requirements

• 7+ years of compliance or risk management experience in fintech, payments, banking, or remittance industries.
• Demonstrated success in obtaining and maintaining Cross border and/or CBN IMTO or other Payment Service Provider licenses.
• Strong understanding of AML/CFT, KYC, sanctions screening, and transaction monitoring requirements.
• Familiarity with PCI-DSS, GDPR/PIPEDA, and cross-border data privacy regulations.
• Excellent relationship-building skills with regulators, auditors, and financial institutions.
• Bachelor’s degree in Law, Finance, Business, or related field; CAMS or CRCM certificationstrongly preferred.
• Ability to thrive in a fast-paced startup environment and partner effectively with technical and product teams.

What We Offer

• Competitive salary with performance incentives.
• Opportunity to design and lead the compliance strategy for a global fintech startup from the ground up.
• Direct collaboration with founders and executive leadership on market expansion.
• Career growth potential into Chief Compliance Officeras we scale across multiple jurisdictions.