Director - Financial Crime Office; Deputy AML Officer); Head of Regulatory Relations and Testing

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 strong 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.

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.

• Lead KOHO’s AML/ATF and sanctions compliance program in accordance with the PCMLTFA and its regulations, and own the enterprise money laundering, terrorist financing, and sanctions risk assessment.
• Oversee transaction monitoring, alert and case management, enhanced due diligence, sanctions screening, and suspicious transaction reporting
  , including the quality and timeliness of regulatory reporting to FINTRAC.
• Direct KYC and customer risk rating standards
  , and partner with the Financial Intelligence Unit (FIU) to close typology gaps between fraud and financial crime detection.
• Own the two-year AML effectiveness review
  , resulting remediation, and financial crime training.

• Serve as the central point of coordination for regulators
  , owning the cadence, quality, and consistency of KOHO’s regulatory correspondence and submissions.
• Lead the end-to-end management of regulatory examinations, reviews, and information requests
  , including planning, evidence collection, response quality control, and issue tracking.
• Own the regulatory findings and commitments register
  , driving remediation to validated closure.
• Maintain the inventory of regulatory filings and the record of regulatory engagement, and prepare executives and subject matter experts for regulatory meetings.

• Own KOHO’s enterprise complaints management program
  , including policy, procedures, escalation pathways, and service standards.
• Oversee handling of escalated and designated complaints
  , ensuring fair, timely, well-reasoned outcomes and clear written responses to customers.
• Manage case flow with the external complaints body and oversee reporting to the FCAC and other applicable authorities.
• Deliver complaints reporting and root cause analysis
  , converting complaint themes into product, process, and disclosure improvements that advance fair treatment of customers.

• Own the design and delivery…