Senior Compliance Officer

2 weeks ago

Montreal, Canada Brain Finance Full time

BrainFinance is a leading financial technology company that provides responsible and constructive credit solutions to consumers. We are redefining access to credit through our revolutionary technology that utilizes machine learning and automation capabilities to offer better and simpler financial services to everyone. A true innovation lab, our team consists of financial experts, data geeks, mathematicians, computer scientists, and software engineers, all working together to bring fair and transparent credit solutions to the masses.

Here's what we're looking for

We are actively seeking a highly skilled and experienced Compliance Officer to join our team as a critical player in developing and implementing a comprehensive compliance strategy, specifically tailored to our credit card offering. The ideal candidate will assume leadership of our firm's Anti-Money Laundering (AML) compliance program, ensuring rigorous compliance with the stringent regulatory standards set by FINTRAC and AMF in Canada.

Your expertise will be instrumental in safeguarding our operations and enhancing our dedication to compliance excellence. This role is pivotal in driving the company's growth and expansion by ensuring that our business practices not only meet but exceed regulatory expectations.

Your daily responsibilities

  • Oversee the Risk and Fraud Monitoring Department for credit card transactions, ensuring vigilant oversight and proactive risk management;
  • Manage a comprehensive compliance program tailored to our credit card product, ensuring adherence to applicable local, federal, and international laws and regulations;
  • Collaborate with the product development team to provide compliance advice and guidance from the initial stage, helping to shape a product that is both innovative and compliant;
  • Conduct and supervise regulatory risk assessments and audits, creating action plans to mitigate identified risks;
  • Foster a culture of compliance throughout the organization, demonstrating the importance of ethical behavior and regulatory adherence;
  • Act as a subject matter expert to the organization, for the regulatory risks and requirements relating to the credit card product;
  • Coordinate with the Legal department and other second line risk teams to address any potential issues related to the product, proactively mitigating risks;
  • Handle any regulatory inquiries or examinations related to the credit card product;
  • Develop, implement, and uphold a comprehensive Anti-Money Laundering (AML) compliance program in alignment with Canadian regulatory standards;
  • Ensure the organization complies with Canadian AML laws, adheres to the guidelines of the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), and follows the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA); 
  • Comprehension of consumer protection laws relevant to credit card users, such as the Consumer Reporting Act, which governs the use of credit information and the rights of consumers 
  • Understanding of privacy laws such as the Personal Information Protection and Electronic Documents Act (PIPEDA), which dictates how businesses must handle personal information in the course of commercial activities;
  • Conduct detailed AML risk assessments regularly, updating policies and procedures to address emerging risks and comply with regulatory mandates;
  • Deliver extensive training and guidance to staff on AML protocols, ensuring awareness and understanding of regulatory changes and updates;
  • Monitor and scrutinize trading activities to identify and report any suspicious transactions promptly;
  • Facilitate effective communication and cooperation with Canadian regulatory authorities and law enforcement agencies as required;
  • Maintain accurate and comprehensive records and reports of all AML-related activities, ensuring transparency and accountability;
  • Remain current with changes in AML legislation, regulations, and best practices within Canada, ensuring the company's compliance strategy is up-to-date;
  • Address findings of misconduct and deficiencies in the compliance and supervisory frameworks swiftly, implementing corrective actions to mitigate risks.
  • Proactively monitor legal and regulatory trends and developments within the financial sector, assessing their impact on the business and adjusting policies accordingly.

Your skills and experience

  • Bachelor's degree in Law, Finance, Business Administration, or a closely related field is required;
  • Minimum of 8 years of experience in AML compliance, (FINTRAC) guidelines, PCI DSS requirements and privacy laws (PIPEDA) within the financial services sector;
  • Strong knowledge of the Canadian Banking Act and other regulations governing financial institutions in Canada;
  • Familiarity with PCI DSS requirements for securing credit card data to protect cardholders and reduce fraud;
  • Certifications such as Certified Anti-Money Laundering Specialist (CAMS), Certified Regulatory Compliance Manager (CRCM), and Certified Compliance & Ethics Professional (CCEP) are essential for success in this role;
  • Extensive knowledge of BSA, AML regulations, Sanctions, and other relevant regulatory frameworks including SARs, CTF, and FATF guidelines;
  • Strong understanding and expertise in navigating Canadian financial regulations and compliance guidelines;
  • Excellent analytical and problem-solving skills;
  • Effective communication and interpersonal skills, with the ability to interact with various stakeholders;
  • Advanced proficiency in using compliance software and tools for efficient monitoring, analysis, and reporting of suspicious activities;
  • Demonstrated ability to work autonomously and collaboratively in a dynamic and fast-paced environment, managing multiple projects and deadlines effectively;
  • Additional qualifications may include: CISSP (Certified Information Systems Security Professional), CISM (Certified Information Security Manager), CISA (Cybersecurity and Infrastructure Security Agency), and PA-DSS (Payment Application Data Security Standard);
  • Certified Anti-Money Laundering Specialist (CAMS) or similar certification is preferred. 

Perks and benefits

  • Group Insurance (Health and Dental) 
  • Retirement Savings Plan (RSP)
  • Employee Assistance Program (EAP)
  • Hybrid - Office / remote (the team is in the office on Wednesdays)
  • Additional Days off (Moving day, Birthday, 5 personal days)
  • Health and Wellness Program
  • Office perks: Event Coordinator responsible for social activities, 5-7, snacks provided, yoga and meditation room
  • Paid subscription to training tools 
  • Benefits for public transportation (Bixi, Opus)
  • Modern open plan office with pin pong, and pool table
  • A friendly and relaxed working environment
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