Compliance & Risk Officer - Fintech at King of CMS Consulting

About the Role

We are seeking an experienced Compliance & Risk Officer to build and lead the compliance framework for our cross-border remittance and POS operations. 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 covering AML/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, and sanctions regulations
• Deep expertise in international money transfer regulations and licensing in Canada and Nigeria