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 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 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.