Chief Compliance Officer

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 Chief Compliance Officer (CCO) to lead TodaPay’s compliance function and build a scalable, risk-based compliance framework supporting our international growth.
This is a senior leadership position with broad responsibility for regulatory compliance, AML/CFT, financial crime risk, governance, and regulatory relationships. The ideal candidate combines strong regulatory expertise with sound commercial judgment and the ability to operate effectively in a fast-paced fintech environment.

Requirements
● 5+ years of senior experience in compliance, AML, financial crime, or regulatory roles within a fintech, PSP, EMI, bank, acquiring business, or other regulated financial institution.
● Proven experience leading or significantly developing a compliance function.
● Strong knowledge of AML/CFT, sanctions, KYC/KYB, financial crime, and regulatory compliance frameworks.
● Strong understanding of the payments ecosystem, including payment processing, acquiring, cross-border payments, and card schemes.
● Good understanding of Visa and Mastercard compliance requirements.
● Experience dealing with regulators, banks, payment partners, auditors, and other external stakeholders.
● Experience with high-risk industries such as crypto, online gambling, betting, forex, or similar sectors is highly desirable.
● Strong experience developing compliance policies, controls, risk assessments, and governance frameworks.
● Excellent analytical, decision-making, and problem-solving skills.
● Excellent written and spoken English.

Responsibilities
● Lead and own TodaPay’s overall compliance framework and strategy across relevant jurisdictions.
● Advise the CEO, senior management, and Board on regulatory, AML, sanctions, financial crime, and compliance matters.
● Develop and maintain effective AML/CFT, sanctions, KYC/KYB, transaction monitoring, compliance monitoring, and risk management frameworks.
● Oversee the company’s compliance with applicable payment services, AML/CFT, sanctions, card scheme, and other regulatory requirements.
● Maintain oversight of regulatory obligations, licensing requirements, and relationships with regulators, banks, payment partners, and other key stakeholders.
● Lead compliance risk assessments and ensure appropriate mitigation, monitoring, escalation, and reporting of material risks.
● Provide compliance oversight for new products, markets, payment flows, merchants, and strategic business initiatives.
● Ensure effective management of high-risk customers and business partners.
● Monitor regulatory developments and lead the implementation of relevant regulatory changes.
● Establish a strong compliance culture across the organization and ensure compliance is embedded into business and product decision-making.
● Build, lead, and develop a high-performing compliance team.

Nice to have
We are looking for a CCO who is:
● Strategic -  able to build a compliance function that scales with the business.
● Pragmatic - able to balance regulatory expectations with commercial realities.
● Independent - confident in challenging decisions and escalating material risks.
● Hands-on - willing to get involved in complex cases and operational matters when required.
● Commercially aware - understands fintech products, payment flows, and business models.
● Collaborative - able to work effectively with Business, Operations, Finance, Legal and Technology teams.
● Highly trusted - demonstrates exceptional integrity, discretion, and professional judgment.

Working conditions
● A senior leadership position with significant influence over TodaPay’s regulatory and compliance strategy.
● The opportunity to build and shape the compliance function of a growing international fintech.
● Direct involvement in complex payment, crypto, and cross-border business models.
● Close collaboration with senior management and key strategic stakeholders.
● An international, dynamic, and entrepreneurial working environment.
● Competitive compensation and long-term growth opportunities.