{"@context":"https://schema.org","@type":"JobPosting","directApply":"https://schema.org/False","title":"Compliance Officer - Canadian MSB/PSP (Contractor)","description":"Compliance Officer - Canadian MSB/PSP (Contractor)

UNYX AI Ltd • UK-Based • Remote (Global) • Contract • Part-time to Full-time

About UNYX AI

UNYX AI is a UK-based fintech company registered as a Money Services Business (MSB) with FINTRAC and as a Payment Service Provider (PSP) with the Bank of Canada. We're building innovative payment solutions that bridge traditional finance and emerging technologies, backed by some of the best investors who also backed Revolut, Tide, Monzo, Bridge, and more.

With a distributed team across Europe, we're committed to maintaining the highest compliance standards while scaling our operations across international markets.

The Opportunity

We're seeking an exceptional Compliance Officer to serve as our designated compliance officer for our Canadian MSB operations on an independent contractor basis. This role can start part-time and grow into a full-time contract as we scale.

This is a rare opportunity to build and shape the compliance function at a growing fintech from the ground up, working directly with leadership and regulators.

What makes this role unique:

Contractor flexibility: Independent contractor arrangement with flexible working structure
Scalable engagement: Start part-time (30% allocation) with clear path to full-time as we grow
Direct regulatory interface: You'll be our designated contact with FINTRAC and the Bank of Canada
Strategic influence: Direct access to our CEO and Board on critical compliance matters
Ownership and impact: Design and implement our entire compliance framework
True remote-first: We're open to candidates from anywhere in the world

What You'll Do

Regulatory Compliance & Strategy

Serve as Compliance Officer for our Canadian MSB registration with FINTRAC
Design, implement, and maintain our risk-based AML/ATF compliance program under the PCMLTFA and RPAA
Act as primary liaison with FINTRAC, Bank of Canada, and other Canadian regulators
Monitor regulatory changes and proactively update our compliance framework
Conduct annual risk assessments and lead regulatory examinations

Client & Institutional Onboarding

Establish end-to-end KYC, CDD, and beneficial ownership verification procedures
Implement screening for PEPs, HIOs, and international sanctions lists (UN, Canada, OFAC, EU, UK)
Support our onboarding relationships with banking institutions and payment processors
Prepare due diligence packages and respond to institutional compliance questionnaires

Transaction Monitoring & Reporting

Build and maintain transaction monitoring systems to detect suspicious activities
Investigate flagged transactions and document findings
Prepare and file regulatory reports (STRs, LCTRs, EFTRs, LVCTRs, TPRs) to FINTRAC
Coordinate with banking partners on transaction escalations

Policy Development & Training

Develop comprehensive AML/ATF policies covering all PCMLTFA and RPAA requirements
Create training materials and deliver training to company staff
Ensure policies reflect current regulatory guidance and best practices

Cross-Functional Collaboration

Product Team: Provide compliance requirements for new features; review product designs
Technology Team: Collaborate on system design for compliance automation
Management: Advise on risk management strategy and incident response

What We're Looking For

Required Experience & Qualifications

Experience serving as Compliance Officer for a Canadian MSB or similar regulated entity
2-3 years minimum compliance experience in banking, fintech, payments, or financial services
Strong understanding of Canadian AML/ATF regulations (PCMLTFA, RPAA, FINTRAC requirements)
Experience with client onboarding, KYC/CDD, and risk assessment
Demonstrated ability to develop policies, procedures, and training materials
Excellent English communication skills (written and verbal) - minimum B2 level, C1 preferred
Comfortable working remotely with distributed teams across timezones
Able to work as an independent contractor in your country of residence

Highly Valued

Experience with transaction monitoring or suspicious activity investigations
Knowledge of international sanctions regimes (UN, OFAC, EU, UK)
Professional certifications (CAMS, ICA, CFE, or equivalent)
Experience in fintech or payments environments
Background working with FINTRAC or Bank of Canada

Personal Attributes

Proactive and self-directed: You take ownership and drive initiatives independently
Detail-oriented: You have a natural eye for completeness and accuracy
Adaptable: You thrive in fast-moving environments
Ethical and trustworthy: Integrity is non-negotiable
Responsive: You understand the importance of timely action on regulatory matters

What We Offer

Contractor Structure

Independent contractor arrangement: You maintain flexibility and independence
Scalable engagement: Start at 30% allocation (part-time) with clear path to 100% (full-time) as we grow together
Competitive monthly compensation benchmarked to your location and experience
Equity participation after successful completion of probationary period - own a piece of what we're building

Flexibility & Growth

Truly global remote: Work from anywhere in the world - we're open to all locations
Flexible working hours: Core availability beginning at 6:00 AM UK time; otherwise manage your schedule
Professional development: Annual budget for compliance certifications and training
Career progression: Scale your engagement as we grow - opportunity to build and lead a team

Support & Resources

Direct leadership access: Regular collaboration with CEO and Board
Professional insurance: We'll work with you on appropriate coverage
Travel opportunities: Occasional travel to Canada for regulatory meetings (expenses covered)
Modern tools: Access to best-in-class compliance technology

Working Arrangement

Contract type: Independent contractor (not employment)
Company base: United Kingdom
Your location: Remote - anywhere in the world (we're location-agnostic)
Initial allocation: Part-time (30%) - approximately 3 hours per day
Growth path: Scale to full-time (100%) as our operations expand
Core availability: Beginning at 6:00 AM UK time for real-time operational support
Preferred timezone: GMT to GMT+3 for optimal collaboration (but not required)

Our Hiring Process

We're a small, fast-moving company. Our hiring process is efficient and respectful of your time:

Application Review (2-3 days)
Screening Call (30 minutes): Quick conversation about your background and the role
Technical Interview (60 minutes): Compliance scenario discussion with our CEO
Final Conversation (30 minutes): Culture fit and engagement structure

Timeline: Expect a decision within 1-2 weeks from application to offer.

How to Apply

Please submit:

Your CV/Resume highlighting relevant MSB/compliance experience
A brief cover letter (max 300 words) addressing:
- Your experience as a Compliance Officer for a Canadian MSB (or similar regulated entity)
- Your approach to building a compliance program from the ground up
- Your location, timezone, and preferred working arrangement
- Your availability to start and preferred engagement level (part-time vs. full-time)

We review all applications carefully and respond to everyone.

About Working at UNYX AI

We're building a company where compliance isn't just a checkbox - it's a competitive advantage. We believe:

✓ Regulatory excellence enables innovation: Strong compliance foundations let us move faster
✓ Transparency builds trust: With clients, partners, and regulators
✓ Remote work works: Built on clear communication and mutual respect
✓ Contractor relationships matter: We value our contractors as true partners ✓ Growth is a journey: We invest in developing our relationships alongside our business

If you're passionate about compliance, excited by building something from scratch as an independent professional, and ready to make a real impact at a growing fintech backed by world-class investors, we'd love to hear from you.

Equal Opportunity

UNYX AI is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all team members, regardless of employment type.

Ready to build the future of compliant fintech with us? Apply now.

Note: This is an independent contractor position. Candidates must have the legal right to work as independent contractors in their country of residence. This is not an employment position. The engagement can start part-time and scale to full-time based on mutual agreement and business needs.

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