Compliance Officer - Canadian MSB/PSP (Contractor)

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 DoRegulatory 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 ForRequired 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 OfferContractor 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