Compliance Analyst Sumsub SME

About the Role

We are seeking a detail-oriented and commercially minded Compliance Analyst to join our growing Compliance team in Canada.

The role will focus on supporting the day-to-day operation of our AML, CTF, sanctions and financial crime framework, with particular responsibility for customer onboarding, KYC, enhanced due diligence, screening and transaction monitoring.

The successful candidate will have practical experience working within a FINTRAC-regulated environment and strong hands-on expertise in Sumsub. They will be comfortable working across customer verification, risk assessment, screening and transaction monitoring, while using a risk-based approach to identify and manage potential financial crime risks.

This is an excellent opportunity for a compliance professional looking to develop their career within a fast-paced fintech environment, with exposure to regulatory requirements, compliance technology and complex customer risk matters. They will be comfortable working directly with Product and Engineering to design, automate and continuously improve the compliance function – including using AI-enabled tools to increase the speed and quality of investigations.

Key Responsibilities

Compliance & Regulatory

• Support the operation and maintenance of the Company's AML/CTF and financial crime compliance framework in Canada.


• Apply FINTRAC requirements and internal policies to day-to-day customer onboarding and monitoring activities.


• Support the maintenance and implementation of compliance policies, procedures and controls.


• Monitor regulatory developments relevant to Canadian AML/CTF, sanctions and financial crime requirements.


• Support compliance reviews, audits, regulatory requests and internal compliance projects.


• Maintain accurate and complete compliance records and case documentation.

Financial Crime & AML

• Conduct KYC, customer due diligence (CDD) and enhanced due diligence (EDD) reviews.


• Review customer verification and screening results and determine appropriate next steps.


• Investigate transaction monitoring alerts and financial crime escalations.


• Assess customer behaviour, transaction activity, geographic exposure and other relevant risk indicators.


• Investigate potential money laundering, terrorist financing, sanctions evasion, fraud and other financial crime risks.


• Escalate higher-risk cases in accordance with internal policies and procedures.


• Support the preparation and submission of Suspicious Transaction Reports (STRs) to FINTRAC where appropriate.


• Conduct ongoing customer monitoring and periodic reviews.


• Review PEP, HIO, sanctions and adverse media screening results.


• Support source-of-funds and source-of-wealth assessments for higher-risk customers.


• Contribute to financial crime risk assessments and the identification of emerging financial crime typologies.

Sumsub Subject Matter Expertise

• Act as a key internal point of reference for Sumsub and customer verification activity.


• Use Sumsub to review identity verification, customer screening and risk assessment outcomes.


• Investigate verification failures, screening alerts and other customer risk escalations.


• Review customer risk scores and the underlying factors contributing to those assessments.


• Support the development and optimisation of Sumsub workflows, verification processes and monitoring controls.


• Identify opportunities to improve KYC processes and reduce unnecessary customer friction while maintaining appropriate compliance standards.


• Support the configuration and refinement of transaction monitoring rules and scenarios.


• Provide guidance and informal training to other members of the Compliance team on Sumsub.


• Contribute to the development of internal guidance and best practice for the use of Sumsub.

Automation, Technology & AI

• Work directly with Engineering and Product to design and build automated workflows around onboarding, screening and transaction monitoring.


• Translate compliance and risk requirements into clear technical specifications that developers can build against.


• Identify opportunities to automate manual, repetitive elements of KYC/EDD review and case management, and help scope the solution with engineering.


• Use AI/LLM-based tools to accelerate case reviews, alert summarisation and documentation, while applying appropriate human judgement and quality control.


• Contribute to the architecture of the compliance technology stack, including how Sumsub integrates with internal case management, monitoring and reporting systems.


• Help define data requirements and API/integration needs for compliance tooling, working alongside developers to prioritise and test builds.


• Stay current on emerging AI and automation capabilities in KYC/verification technology and assess their practical application to the business.

Compliance Monitoring & Risk Management

• Support compliance monitoring activities and thematic reviews.


• Identify compliance and financial crime risks and escalate issues appropriately.


• Support the maintenance of compliance risk registers and action plans.


• Track compliance issues and remediation activities through to completion.


• Assist with quality assurance reviews of customer onboarding and financial crime investigations.


• Identify recurring issues and recommend improvements to compliance processes and controls.

Business Partnering

• Work closely with Operations, Product and Technology as well as other business functions on compliance matters.


• Provide practical and proportionate compliance guidance to internal stakeholders.


• Support the implementation of new products, processes and compliance controls.


• Help ensure compliance considerations are embedded into customer onboarding and operational initiatives.


• Partner closely with Engineering to prioritise, test and iterate on compliance automation projects, acting as the compliance-side product owner where needed.

Skills & Experience

Essential

• 1–3 years' experience in Compliance, AML, Financial Crime, KYC, Transaction Monitoring or a related role.


• Practical experience working within a FINTRAC-regulated business or Canadian AML environment .


• Strong understanding of Canadian AML/CTF requirements and financial crime controls.


• Hands-on experience with Sumsub , ideally across KYC/identity verification, screening and transaction monitoring.


• Experience conducting KYC/CDD, EDD and customer risk assessments.


• Experience investigating financial crime, KYC or transaction monitoring alerts and documenting evidence-based conclusions.


• Good understanding of AML/CTF, sanctions and financial crime risk.


• Strong analytical skills and attention to detail.


• Good judgement and the ability to make proportionate, risk-based decisions.


• Strong written and verbal communication skills.


• Highly organised with the ability to manage multiple cases and priorities.


• Comfortable working directly with developers/engineers to scope, build and test compliance tools and workflows.


• Experience or strong interest in using AI/LLM tools (e.g. Claude, ChatGPT, Copilot) to improve efficiency and quality of compliance work.


• Ability to think in terms of process design and system architecture, not just policy and case-by-case decisions.

Desirable

• Experience preparing or supporting STRs submitted to FINTRAC.


• Experience working within a Canadian MSB, payments, fintech, crypto or virtual asset business.


• Experience with Sumsub workflow configuration or optimisation.


• Experience with transaction monitoring systems and rule calibration.


• Experience with sanctions screening and adverse media investigations.


• Experience with blockchain analytics, including Chainalysis.


• ICA, ACAMS, CAMS or other relevant compliance qualification.


• Experience supporting regulatory examinations, audits or compliance reviews.


• Experience with no-code/low-code automation tools (e.g. Zapier, Make, Retool) or scripting (SQL, Python) to support compliance workflows.


• Experience writing requirements or user stories for engineering teams, or working in a product/agile environment.


• Familiarity with API-based integrations between compliance tools (e.g. Sumsub, case management systems, data warehouses).

Success Measures

Within the first 6 months, the successful candidate will:

• Establish themselves as a trusted member of the Compliance team.


• Demonstrate strong practical knowledge of FINTRAC requirements and the Company's AML/CTF framework.


• Independently manage a portfolio of KYC, EDD, screening and transaction monitoring cases.


• Become the internal SME for Sumsub and customer verification workflows.


• Improve the quality, consistency and efficiency of customer onboarding and compliance reviews.


• Identify opportunities to improve Sumsub workflows and reduce unnecessary operational friction.


• Contribute to stronger transaction monitoring and financial crime controls.


• Build effective relationships with Operations, Product, Technology and other business teams.


• Contribute to a scalable compliance framework capable of supporting continued business growth.


• Identify and help deliver at least one automation or technology improvement that measurably reduces manual effort or improves consistency in the compliance function.