Lead Compliance Analyst

At Wave, we help small businesses to thrive so the heart of our communities beats stronger. We work in an environment buzzing with creative energy and inspiration. No matter where you are or how you get the job done, you have what you need to be successful and connected. The mark of true success at Wave is the ability to be bold, learn quickly and share your knowledge generously.Let’s talk about how you can thrive here!At Wave, we value diversity of perspective. Your unique experience enriches our organization. We welcome applicants from all backgrounds.Here’s how you will make an impact:
Build the program foundations
Build and maintain the regulatory inventory: which rules apply to which products and jurisdictions, who owns each obligation, and how we evidence complianceDesign the policy framework (taxonomy, ownership, approval authority, review cadence) and write or refresh core policies and proceduresRun the compliance risk assessment for regulatory and product risk across Payments, Payroll, Invoicing, Accounting, Advisors and PartnershipsSupport Issue Management and remediation tracking so open findings have an owner, a date and visible progressOwn the regulatory change process: track changes in the USA and Canada, assess impact, route actions to the right teamMaintain the registration and license calendar so renewals and fillings never lapseRun Product Compliance
Operate the tiered review process: triage intake, set conditions, give clear approve/approve-with-conditions/decline decisionsPartner with Product, Engineering, Legal and Risk early in designReview high-risk launches: new payment flows, onboarding changes, data sharing, new jurisdictionsApply the Product Compliance Evidence Standard and make sure launches leave an audit-ready trailReview marketing claims and customer communications against the Marketing Content GuidelinesOversee third parties and partners
Build compliance oversight of key processors and partners: obligations mapping, contract review input, monitoring, escalationOversee partner due diligence and maintain the data-sharing registerCoordinate card network, processor, and partner audits, attestations and inquiriesReport and Lead
Produce program reporting for leadership: scorecard, KPIs, open issues, emerging risksFind the manual work worth automating and building lightweight tooling (ex. AI assistance) to remove itYou Thrive Here By Possessing the Following:
Required
6+ years in regulatory or product compliance at a fintech, payments company, PSP, bank or other regulated financial services firmHands‑on experience building a compliance program component from scratch: policies, risk assessment, regulatory inventory, issue management or similarWorking knowledge of payments regulation and card network rules, with experience in at least one of: US money movement (NACHA/ACH, Reg E, UDAAP) or Canadian payments (RPAA, FINTRAC, PIPEDA)Experience embedded with product and engineering teams, reviewing features before launchClear, concise writing: you can turn a regulation into a requirement as engineer can build toComfort with ambiguity and shifting priorities in an integration environmentNice to have
Both US and Canadian regulatory experiencePrivacy program experience (PIPEDA, Quebec Law 25, CCPA) or exposure to PCI DSS, SOX or HIPAA controlsPayroll, tax or small‑business fintech backgroundExperience with partner or processor oversight, network attestations, or regulatory examsPeople leadership or formal mentoringCRCM, CAMS, CAMLO training or similarWave is committed to providing an inclusive and accessible candidate experience. If you require accommodations during the recruitment process, please let us know by emailing View email address on ca.hrm.tc. We will work with you to meet your needs.We use Google Gemini, a secure AI assistant, during interviews for note-taking purposes only. Notes are kept confidential and are not shared outside the hiring process. This allows our interviewers to stay fully focused on you during the conversation.This advertised posting is a current vacancy.
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