Compliance Officer

• Regulatory Management: Act as the key point of contact with local regulators and be the point of contact to address first-level regulator, client, and management queries in respect to AML and Payment Services Licenses
• Program Development: Develop, implement, and monitor AML, KYC, and Sanctions programs specifically tailored to UAE federal laws and DIFC-specific regulations
• Operational Compliance: Execute day-to-day screening, risk rating, and Enhanced Due Diligence (EDD) for clients, ensuring compliance with non-cash payment services and client money regulations
• Due Diligence: Efficiently execute KYC, KYB, Enhanced Due Diligence (EDD), and other payment-related compliance reviews to safeguard our customers, our partners, and our business
• Reporting: Undertake and implement all required reporting to authorities, including Suspicious Transaction Reports (STRs) and Annual Compliance Returns, as mandated by CBUAE and DIFC
• Risk Framework: Execute a robust risk assessment framework and client/individual risk rating, ongoing monitoring/screening, and further investigations
• Internal Advisory: Provide expert guidance and training to staff on local compliance matters, regulatory updates, and best practices within the fintech sector
• Policy Maintenance: Periodically review and update all Product Guides, disclosure documentation, and internal policies to ensure they meet evolving local licensing requirements
• Audit & Governance: Work with local corporate auditors and provide regular reports for board and compliance committee meetings and liaise with senior management on escalations, positive/false positive screening results, and performing EDD to seek appropriate mitigations and sign-off
• Cross-functional Collaboration: Partner with global teams and local stakeholders (Sales, Finance, Operations) to enhance anti-fraud systems and maintain a robust AML framework
• Stakeholder Collaboration: Working with key stakeholders such as Implementation, Operations, Sales, Finance, Treasury/Banking teams and Group Compliance to execute, monitor, maintain and enhance a robust AML framework with continuous improvements
• Enterprise Risk: Working with Group Compliance and any external consultants to derive robust Enterprise Wide Risk Assessment (EWRA) reporting and maintaining regular EWRA assessment to ensure robust and adequate AML risk framework in accordance with UAE federal laws and local licensing guidelines
• Automation & Optimization: Manage any automation, continuous improvements and ongoing AML review, automation and improvement processes and workflows

• Minimum of 2 years of experience within a Fintech or Payment Institution environment
• Proven experience working directly with the Central Bank of the UAE (CBUAE) and the Dubai International Financial Centre (DIFC)
• Bachelor’s degree in Law, Finance, Business, or a related field
• In-depth understanding of the UAE regulatory framework, particularly concerning payment services and financial crime prevention
• Experience in MLRO role, FinCrime operations, AML compliance, or related fields, preferably within the payroll industry or financial services and payments sector
• Highly effective communication skills, both written and verbal, high attention to detail, and strong interpersonal skills
• Ability to drive, build and work independently
• Exceptional organizational, project management, and operational skills, with a knack for creating and implementing efficient processes, ability to prioritize tasks, meet deadlines, and manage multiple initiatives simultaneously across multiple departments and geographical regions
• Attention to detail, with the ability to work accurately in a fast-paced, deadline-driven environment, both independently and cross-functionally
• Problem-solving and decision-making abilities to address issues and make sound judgments related to licensing matters
• Entrepreneurial drive with a start-up mentality

Professional certificates/qualifications in compliance, AML/CFT, risk management, finance, and/or fintech or relevant certification are nice to have but not required

• Stock grant opportunities dependent on your role, employment status and location
• Additional perks and benefits based on your employment status and country
• The flexibility of remote work, including optional WeWork access