Junior Compliance Officer
About Us
Zoth Payments Limited (formerly Wirmoon Payments Ltd.) is a British Columbia-incorporated Money Services Business registered with FINTRAC under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA). Zoth Payments operates ZPayments, a cross-border USDC-to-fiat payment orchestration platform serving individual senders and regulated Payment Service Providers across the UK, UAE, Singapore, and Canada.
Position Overview
We are seeking a Junior Compliance Officer to support the day-to-day execution of Zoth Payments' AML/CTF compliance programme under the direct supervision of our Compliance Officer (MLRO).
This is an execution and support role within a pre-launch regulated payments company. The successful candidate will assist in running operational compliance processes, preparing regulatory filings, maintaining records, and supporting the MLRO on transaction monitoring and counterparty due diligence.
This is an excellent entry-level opportunity for a compliance professional seeking to develop hands-on experience in virtual currency MSB compliance, FINTRAC reporting, and cross-border payment operations.
What you'll do
- Assist the MLRO in preparing FINTRAC reports including LVCTRs, STRs, Attempted STRs, and Terrorist Property Reports. Monitor the transaction ledger daily to identify transactions that may meet FINTRAC reporting thresholds.
- Maintain compliance records including all FINTRAC reports, counterparty due diligence files, training records, and audit trail documentation, ensuring 7-year retention requirements are met.
- Collect and organise corporate due diligence documentation from PSP counterparties at onboarding. Conduct preliminary verification against official corporate registries and assist in sanctions, PEP, and adverse media screening via Sumsub.
- Review daily transaction monitoring alerts generated by Sumsub and Cyvers, triage each alert against defined criteria, and escalate actionable alerts to the MLRO with a written assessment.
- Assist in validating IVMS101 originator data for Travel Rule compliance. Support the daily end-of-day reconciliation check and assist the MLRO in preparing quarterly compliance reports for the Board.
What we're looking for
- 1–3 years of experience in AML/CTF compliance, KYC/KYB Operations, or a compliance support role at a regulated financial institution, MSB, fintech, or regulated payment services provider.
- Working familiarity with FINTRAC regulations and PCMLTFA — candidates with no Canadian AML experience will not be considered. Understanding of KYC/KYB document collection and verification processes.
- Demonstrated understanding of virtual currency transaction monitoring — blockchain analytics, source wallet screening, chain-hop risk, and mixer/tumbler typologies. Practical experience with at least one blockchain analytics tool (Chainalysis, TRM Labs, Elliptic, or Cyvers).
- Understanding of FATF Recommendation 16 Travel Rule implementation for VASPs, including IVMS101 schema. Strong attention to detail, clear written communication, and comfort working in a fast-paced, pre-launch environment.
- Preferred: CAMS or equivalent AML qualification; exposure to FINTRAC FINS/F2R portal; familiarity with Sumsub, Notabene, or equivalent KYC/Travel Rule platforms; experience across UK FCA, MAS Singapore, VARA UAE, or FinCEN US jurisdictions.
Perks and benefit
- Hands-on exposure working directly alongside the founding MLRO of a FINTRAC-registered virtual currency MSB from pre-launch — practical experience most junior compliance professionals take years to access.
- Direct mentorship from the MLRO with structured exposure to FINTRAC reporting, PSP counterparty due diligence, blockchain analytics, and Travel Rule compliance across multiple jurisdictions.
- Growth path as ZPayments scales from pilot to significant monthly volume across 13 corridors. Remote-first flexibility — Canada preferred but other locations considered.
- Apply by sending your updated CV and a brief cover letter to avanish@zoth.io with the subject line: Application – Compliance Officer.