About the role
We need someone who can run the day-to-day compliance function — not someone who writes policies that sit in a folder. You'll handle client onboarding (KYB/KYC), transaction monitoring, suspicious activity reporting, and regulatory filings across Canadian operations and UK partner-supported activity.
We're registered with FINTRAC as an MSB and supervised under the Bank of Canada's RPAA. In the UK, we work through FCA-authorised partners. That means real regulatory obligations with real consequences — not a compliance programme on paper. If you're currently one of fifty compliance analysts at a bank and spend your days filling out forms someone else designed, this is your chance to actually own a compliance function. You'll work directly with the CCO and have a direct impact on how we operate.
What you'll actually do
- Run Enhanced Due Diligence and KYB reviews for new B2B clients. You're the gatekeeper.
- Monitor transactions and file STRs with FINTRAC when something doesn't look right.
- Maintain and improve our AML/ATF policies — not just read them, actually make them better.
- Conduct periodic risk-based client reviews.
- Manage sanctions screening, PEP checks, and adverse media monitoring.
- Prepare for regulatory examinations. When the regulator comes, you'll know we're ready.
Who we're looking for
- 3-5 years of compliance experience in payments, FX, remittance, or banking. Not theoretical — hands-on.
- You know FINTRAC reporting requirements (STR, LVCTR, EFT reports) because you've actually filed them.
- You've done KYC/KYB on real clients, not just passed a training module about it.
- You can write and maintain AML/ATF policies that actually work in practice.
- Strong attention to detail. In compliance, details are the job.
- You're proactive — you spot risks before they become problems, not after.
Bonus
- CAMS certification.
- Bank of Canada RPAA compliance experience.
- Knowledge of UK payment partner models and FCA-authorised service provision.
- Experience with ComplyAdvantage, World-Check, or Refinitiv.
- Bilingual (English/French) for Canadian operations.
Compensation
Competitive salary. UK or Canada based.
How to apply
Send your CV and a short note to careers@unicorncurrencies.com with the job title in the subject line.
Skip the cover letter template. Just tell us what you've actually built, fixed, or shipped — and why you want to do it here. We read every application personally and respond within 5 business days.