Zoth

Junior Compliance Officer

OverviewApplication

About Us

Zoth Payments Limited (formerly Wirmoon Payments Ltd.) is a British Columbia-incorporated Money Services Business registered with FINTRAC under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA). Zoth Payments operates ZPayments, a cross-border USDC-to-fiat payment orchestration platform serving individual senders and regulated Payment Service Providers across the UK, UAE, Singapore, and Canada.

Position Overview

We are seeking a Junior Compliance Officer to support the day-to-day execution of Zoth Payments' AML/CTF compliance programme under the direct supervision of our Compliance Officer (MLRO).

This is an execution and support role within a pre-launch regulated payments company. The successful candidate will assist in running operational compliance processes, preparing regulatory filings, maintaining records, and supporting the MLRO on transaction monitoring and counterparty due diligence.

This is an excellent entry-level opportunity for a compliance professional seeking to develop hands-on experience in virtual currency MSB compliance, FINTRAC reporting, and cross-border payment operations.

Zoth Payments Limited · FINTRAC Registration No. C10001622 · Remote — Canada preferred; other locations will also be considered · Full-time or Part-time · 1–3 years experience · Reports to Compliance Officer (MLRO).

What you'll do

  • FINTRAC Regulatory Reporting — Assist the MLRO in preparing FINTRAC reports including Large Virtual Currency Transaction Reports (LVCTRs), Suspicious Transaction Reports (STRs), Attempted STRs (ASTRs), and Terrorist Property Reports (TPRs). Monitor the transaction ledger daily, maintain a filing register of all reports submitted, assist with the FINTRAC FINS portal, and track FINTRAC intelligence notifications for MLRO review.
  • Compliance Programme Administration — Assist the MLRO in maintaining and updating Zoth's AML/CTF policy suite. Maintain the compliance records register including all FINTRAC reports, counterparty due diligence files, training records, and audit trail documentation, ensuring 7-year retention requirements are met. Support quarterly compliance reports for the Board and maintain the compliance issue register.
  • KYC/KYB — PSP Counterparty Onboarding — Collect and organise corporate due diligence documentation from PSP counterparties. Conduct preliminary verification against official corporate registries (Companies House UK, ACRA Singapore, VARA UAE, FinCEN US). Assist in sanctions, PEP, and adverse media screening via Sumsub. Maintain the PSP counterparty due diligence register and follow up on outstanding documentation.
  • Transaction Monitoring and Sanctions Screening — Review daily transaction monitoring alerts generated by Sumsub and Cyvers, triage each alert, and escalate actionable alerts to the MLRO. Prepare daily blocked-events reports, assist in maintaining a false-positive rate below 10%, conduct re-screening on active PSP counterparties, and prepare case file documentation for escalated alerts.
  • Travel Rule Compliance — Assist in validating IVMS101 originator data received from PSP counterparties via the Zoth API. Flag incomplete data to the MLRO, maintain the Travel Rule records log, and assist in preparing Travel Rule data responses to Lulu Money Singapore and other counterparties.
  • Compliance Training Support — Assist the MLRO in developing Canada-specific AML/CTF training materials, maintain training completion records, and monitor training due dates.
  • EOD Reconciliation and Settlement Support — Assist with the daily end-of-day reconciliation check comparing total fiat disbursed against net USDC received. Flag discrepancies to the MLRO immediately and maintain a log of all reconciliation outcomes.

What we're looking for

  • 1–3 years of experience in AML/CTF compliance, KYC/KYB Operations, or a compliance support role at a regulated financial institution, MSB, fintech, or regulated payment services provider.
  • Working familiarity with FINTRAC regulations and PCMLTFA — candidates with no Canadian AML experience will not be considered.
  • Understanding of KYC/KYB document collection and verification processes. Strong attention to detail and ability to organise and maintain compliance records to a high standard.
  • Clear written communication skills — able to prepare concise, factual alert assessments and compliance summaries for MLRO review.
  • Comfortable working in a fast-paced, pre-launch environment with limited process infrastructure.
  • Demonstrated understanding of virtual currency transaction monitoring — blockchain analytics, source wallet screening, chain-hop risk, and mixer/tumbler typologies.
  • Practical experience with at least one blockchain analytics tool (Chainalysis, TRM Labs, Elliptic, or Cyvers).
  • Understanding of FATF Recommendation 16 Travel Rule implementation for VASPs, including IVMS101 schema and sunrise-issue handling.
  • Experience with MSB-to-MSB compliance — onboarding regulated PSPs as institutional counterparties under the Section 83 PCMLTFR reliance mechanism.
  • Understanding of cross-border payment flows and correspondent banking compliance principles.
  • Preferred: exposure to FINTRAC FINS/F2R portal; Sumsub, Notabene, or equivalent KYC/Travel Rule platforms; CAMS or equivalent AML qualification; experience across UK FCA, MAS Singapore, VARA UAE, or FinCEN US jurisdictions; familiarity with IVMS101 Travel Rule data standards.
  • Technical comfort: proficient in Google Workspace or Microsoft 365; comfortable reviewing API documentation and structured data outputs; able to run basic database queries or work with structured data exports with guidance from the engineering team.
  • Desirable: experience opening bank accounts for crypto-adjacent or MSB entities with Canadian financial institutions; Quebec AMF familiarity; RPAA familiarity; experience supporting or defending a FINTRAC examination.

Perks and benefit

  • Hands-on exposure working directly alongside the founding MLRO of a FINTRAC-registered virtual currency MSB from pre-launch — practical experience most junior compliance professionals take years to access.
  • Direct mentorship from the MLRO with structured exposure to FINTRAC reporting, PSP counterparty due diligence, blockchain analytics, and Travel Rule compliance across multiple jurisdictions.
  • Growth path as ZPayments scales from pilot to significant monthly volume across 13 corridors. Remote-first flexibility — Canada preferred but other locations considered.
  • The first 30 days: complete Zoth's internal AML/CTF training programme; assist with the FINTRAC name change notification filing; review all six Zoth Payments compliance policies; establish the PSP counterparty due diligence register; complete a supervised dummy STR walkthrough on the FINS portal; begin daily alert review workflow under MLRO supervision.
  • Apply by sending your updated CV and a brief cover letter to avanish@zoth.io with the subject line: Application – Compliance Officer.
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