Senior Compliance Analyst - North America; US & Canada

Position: Senior Compliance Analyst - North America (US & Canada)
Location:

Miami, FL

Work Model:
Hybrid (regular attendance in the Miami office approximately 1-2 days per week, subject to business needs)

Level: Senior Individual Contributor

Experience:

Minimum 5 years of relevant compliance experience

About The Role:

Paysend is seeking an experienced Senior Compliance Analyst to support its North American Compliance Program across both the United States and Canada.

Operating within the second line of defense, the Senior Compliance Analyst will play a critical role in supporting the Company's regulatory compliance, financial crime compliance, regulatory reporting, examination readiness, remediation management, compliance monitoring, and risk management activities. The role will support compliance with applicable U.S. and Canadian regulatory requirements, including the Bank Secrecy Act (BSA), USA PATRIOT Act, FinCEN regulations, OFAC sanctions requirements, state money transmission laws, FINTRAC requirements, the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), the Retail Payment Activities Act (RPAA), and sponsor-bank oversight obligations.

The successful candidate will act as an initiative owner for key compliance deliverables and remediation work streams, helping ensure that Paysend maintains an effective, scalable, and sustainable compliance framework capable of withstanding regulatory review as the business continues to grow across North America.

The role requires strong analytical skills, regulatory knowledge, investigative capabilities, sound judgment, and the ability to operate independently in a fast-paced fintech environment.

What You'll Do (Responsibilities):

Financial Crime Compliance

* Review and investigate transaction monitoring alerts, sanctions screening alerts, unusual activity referrals, and escalated compliance cases.

* Conduct risk-based investigations using customer, transaction, behavioral, geographic, and typology data to identify suspicious activity and determine appropriate disposition in accordance with internal policies and regulatory requirements.

* Escalate potential AML, fraud, sanctions, or regulatory concerns as appropriate and maintain complete documentation supporting investigative conclusions.

* Prepare and support Suspicious Activity Reports (SARs), continuing activity reviews, and other regulatory reporting obligations while ensuring adherence to regulatory deadlines and internal service standards.

* Support sanctions compliance activities, including OFAC screening reviews, true-match analysis, reporting, testing, tuning, and control validation.

Regulatory Compliance & Governance

* Support compliance with applicable U.S. and Canadian regulatory requirements, including money transmission, AML/ATF, sanctions, payment services, licensing, and sponsor-bank obligations.

* Assist with the development, implementation, and maintenance of compliance policies, procedures, controls, regulatory inventories, compliance calendars, and change management initiatives.

* Support preparation and submission of regulatory reports, filings, licensing activities, and sponsor-bank compliance reporting requirements.

Canadian Compliance Support

* Support the Canadian AML/ATF Compliance Program, including FINTRAC reporting, customer due diligence, enhanced due diligence, sanctions compliance, and policy maintenance activities.

* Support implementation and ongoing maintenance of the Retail Payment Activities Act (RPAA) compliance framework, including operational risk management, issue tracking, corrective actions, and regulatory evidence management.

Regulatory Examinations, Audits & Remediation

* Support regulatory examinations, audits, independent reviews, sponsor-bank reviews, and network assessments by coordinating information requests, documentation, and regulatory responses.

* Assist with remediation activities, Management Action Plans (MAPs), corrective action tracking, validation, and closure of regulatory, audit, and independent review findings.

Compliance Monitoring, Testing & Risk Management

* Execute compliance monitoring, testing, and quality assurance reviews across AML, sanctions, investigations, regulatory reporting, and broader compliance activities.

* Assess control effectiveness, identify emerging regulatory, financial crime, fraud, and operational risks, and recommend enhancements to systems, controls, procedures, and workflows.

* Support compliance metrics, management reporting, governance reporting, and enterprise risk assessment activities.

Regulatory Requests & Cross-Functional Collaboration

* Support responses to regulatory inquiries, subpoenas, requests for information (RFIs), law enforcement requests, and 314(a)/314(b) information-sharing activities.

* Partner with Compliance, Risk, Fraud, Operations, Product, Legal, Customer Support, and Technology teams to implement compliance initiatives, communicate risks and findings, and support business growth while maintaining regulatory compliance.

What You'll Need To Be Successful In This Role:

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