Compliance & Regulatory Affairs Analyst

Are you tired of the way in which payments are managed in Canada? If you answered yes, then we need you on our team! The legacy banking and payment system requires all kinds of manual intervention to collect and reconcile payment information, which is inefficient and costly.

At Zūm, we are revolutionizing this process. We have a group of super-smart colleagues who daily create an impact in the Fintech space, work autonomously, collaborate and expand their skill set all while working remotely. If this defines part of what you are hoping to accomplish professionally then read on as Zūm is the place for you.

We’re on the lookout for a detail-oriented Compliance & Regulatory Affairs Analyst to join our team and play a key role in supporting our compliance, risk, and governance programs. This is an excellent opportunity for someone looking to deepen their knowledge of regulatory compliance within a fast-paced fintech environment while gaining exposure to multiple regulatory frameworks and operational processes. You’ll work closely with cross-functional teams and leadership to support recurring compliance activities, maintain documentation and evidence repositories, assist with regulatory and partner requests, and help strengthen internal controls and risk management practices.

If you enjoy organization, problem-solving, navigating complex regulatory requirements, and collaborating across teams to keep things running smoothly, this could be the perfect role for you. Does this sound interesting? Read on!

Major Responsibilities: Identify, assess, and monitor operational, regulatory, financial, fraud, and third-party risks across the business. Maintain enterprise risk registers, issue logs, control matrices, and remediation trackers. Conduct risk assessments for new products, vendors, strategic initiatives, and process changes.

Prepare risk reporting dashboards, metrics, and management updates. Support compliance programs related to AML/ATF, FINTRAC, RPAA, sanctions screening, OFAC, privacy, and payment network obligations. Maintain policies, procedures, controls documentation, and evidence repositories.

Assist with internal audits, external audits, and regulatory examinations. Track regulatory developments impacting fintech and payments operations. Coordinate remediation plans for identified control gaps.

Own and manage recurring compliance questionnaires from key banking and network partners on a quarterly and annual cadence. Coordinate responses across internal stakeholders and maintain supporting evidence/documentation. Organize and streamline compliance documentation repositories (Google Drive or equivalent shared drives).

Draft, coordinate, and submit responses to RFIs and Due Diligence Questionnaires (DDQs) from regulators, banking partners, card networks, and institutional clients Build and maintain response matrices for due diligence, RFPs, partner reviews, and external assessments. Support vendor and partner compliance requests in a timely and accurate manner. Assist in planning and coordinating independent external assessments of compliance program effectiveness.

Support requests for proposal (RFP) processes for external advisory or audit firms specializing in AML/compliance reviews. Support RPAA compliance obligations including operational risk framework documentation, incident reporting, and Bank of Canada regulatory submissions. Coordinate reviews of key frameworks including FINTRAC, AML, RPAA, OFAC, and broader compliance controls.

Benchmark company programs against industry best practices and peer standards. Help prioritize and execute “housekeeping” initiatives to modernize outdated documentation, controls, and governance records. Partner with Compliance, AML, Finance, Operations, Product, and Technology teams to improve controls and reduce risk.

Work closely with managers and leadership on governance priorities and strategic risk initiatives. Assist in preparing training and awareness materials related to risk and compliance obligations. Other duties as needed; What you bring: Bachelor’s degree in Business, Finance, Economics, or related field. 2–3 years of direct compliance experience in a fintech, PSP, acquiring bank, or financial services firm, with demonstrated exposure to AML/ATF programs and/or regulatory correspondence obligations.

Knowledge of fintech/payments ecosystems and regulatory environments. Strong organizational skills with ability to manage recurring deadlines and multiple stakeholders. Excellent documentation, communication, and analytical skills.

Advanced Excel / Google Sheets / document management skills. Experience with FINTRAC, AML compliance, sanctions programs, or RPAA readiness. Active pursuit or completion of CAMS (ACAMS), CIPP/C (IAPP), C-FSSP, or equivalent compliance certification is a strong asset; Certifications such as CAMS, or similar (nice to have) If you are passionate about technology, customer success, and collaboration, apply now to become an integral part of our innovative team.

Here at Zūm Rails we focus on payments and innovating new ways in making traditional old financial service methods more efficient and customer centric. Zūm Rails has a small rapidly growing team of over 40 employees who are fully remote and based in Canada and the United States. We are not only passionate about fintech, but we’re also passionate about the growth and development of our people.

We know that our overall success is a combined effort, and we therefore strive to provide opportunities for our employees to learn, grow and succeed. The salary for this role, commensurate with experience ranges from $65,000-85,000 CAD per annum Please note that only candidates selected for an interview will be contacted. Zūm Rails is an equal opportunity employer.

We welcome inquiries from all qualified applicants. Accommodations are available on request for candidates taking part in all aspects of the selection process. **Must be legally authorized to work in Canada. **No agencies please.