Senior AML/ Compliance Specialist

TODA Pay is an international fintech company operating in the digital payments and financial infrastructure space across multiple jurisdictions. We support high-growth payment operations with multi-currency transactions, crypto payments, and complex corporate structures. 

We are looking for an experienced Senior AML & Compliance Specialist to strengthen our Compliance team and help build a scalable compliance framework that supports our continued growth.

This is a hands-on role for someone who enjoys solving complex compliance challenges,
designing efficient processes, and working closely with business teams.

Key Responsibilities

• Design, implement, and continuously improve AML and compliance processes, controls, and monitoring frameworks, including fraud and chargeback management.
• Develop, review, and maintain AML, compliance, and risk-related policies, procedures, and internal controls.
• Oversee customer and business partner onboarding, including KYC, KYB, sanctions screening, enhanced due diligence, and ongoing monitoring.
• Ensure compliance with applicable AML/CFT regulations and internal compliance standards.
• Support compliance with payment processing, card acquiring, and card scheme (Visa and Mastercard) requirements.
• Work closely with Product and Commercial teams to embed compliance requirements into business processes.
• Monitor regulatory developments and assess their impact on the business, recommending updates to policies and procedures where necessary.
• Contribute to the continuous improvement of internal workflows, operational efficiency, and risk management practices.
• Support internal and external audits, regulatory requests, and partner due diligence processes.

Requirements

• 3+ years of AML and compliance experience within a fintech company, Payment Service Provider (PSP), Electronic Money Institution (EMI), or another regulated financial institution.
• Strong knowledge of AML/CFT regulations, compliance frameworks, and industry best practices.
• Practical experience with payment processing, card acquiring, and the payments ecosystem.
• Good understanding of Visa and Mastercard rules and compliance requirements.
• Experience with fraud prevention, transaction monitoring, and chargeback management.
• Experience working with merchants operating in high-risk industries such as online gambling, betting, forex, crypto, or similar sectors.
• Proven experience designing, documenting, and implementing AML and compliance policies, procedures, and internal controls.
• Strong analytical skills with the ability to investigate, assess, and resolve complex or ambiguous compliance cases.
• Excellent written and spoken English.

Soft skills: 

• Strong ownership mindset with the ability to work independently and take initiative.
• Pragmatic and solution-oriented approach to compliance and risk management.
• Excellent analytical thinking and sound judgment when assessing complex or ambiguous cases.
• Strong communication and stakeholder management skills, with the ability to collaborate effectively across teams.
• Ability to balance regulatory requirements with business objectives in a fast-paced environment.
• Highly organized with exceptional attention to detail.
• Adaptable, proactive, and comfortable working in a growing fintech environment.
• High level of integrity, professionalism, and discretion when handling sensitive information.
   

We offer 

• Opportunity to work in a fast-growing international fintech company
• Professional growth opportunities alongside with company
• 24 paid vacation days per year and 5 paid sick leave days per year
• 10 Public holidays days
• An opportunity to work full remote or hybrid flexibility
• Collaborative and friendly team
• Professional education budget after 6 months working in the company
• Birthday gift bonus for all our employees