Secure Digital Payments Inc. is a fast-growing payments company specializing in Interac e-Transfer, credit card acquiring, and prepaid card solutions. Across our affiliated entities, our mission is to deliver secure, reliable, and innovative payment options while upholding the highest regulatory and compliance standards.
Role Overview
The Chief Compliance Officer is the senior executive accountable for regulatory compliance, enterprise risk, and AML/ATF across Secure Digital Payments Inc. and affiliates. You’ll own the compliance program end-to-end—governance, policies, controls, testing, and reporting—ensuring alignment with Canadian and international regulatory requirements, payment network rules, and banking-partner obligations. You’ll partner closely with executive leadership, Operations, Risk, Product, and Engineering to enable scalable growth without compromising security or compliance.

Key Responsibilities

• Accountable Officer: Serve as AML/ATF Compliance Officer under PCMLTFA; oversee the compliance program for SDP and associated entities.
• Program Design & Governance: Build and maintain policies, procedures, training, and Board/committee reporting; ensure program independence and adequate resourcing.
• Regulatory Interface: Primary liaison with FINTRAC, Interac, card networks (Visa/Mastercard), sponsoring banks, program managers, and auditors.
• Monitoring & Investigations: Lead transaction monitoring, case management, SAR/STR filings, EDD, and remediation; oversee model tuning and effectiveness reviews.
• Risk & Controls: Own enterprise compliance risk assessments (AML/ATF, sanctions, fraud, consumer protection, privacy), control testing, internal audits, and corrective action plans.
• Onboarding & Due Diligence: Drive KYC/KYB, sanctions/PEP screening, periodic reviews, and third-party/vendor risk management.
• Standards & Frameworks: Ensure adherence to PCI DSS, PIPEDA, OSFI-relevant expectations (via sponsor bank), SOC 2, and internal security policies.
• Rules & Licensing: Maintain MSB registration and filings; track emerging regs and network rule changes; brief the exec team and Board on regulatory developments.
• Metrics & Reporting: Define and report KPIs/KRIs (alerts, filings, backlogs, QA pass rates, audit issues, remediation status, training completion).

Qualifications

• Accountable Officer: Serve as AML/ATF Compliance Officer under PCMLTFA; oversee the compliance program for SDP and associated entities.
• Program Design & Governance: Build and maintain policies, procedures, training, and Board/committee reporting; ensure program independence and adequate resourcing.
• Regulatory Interface: Primary liaison with FINTRAC, Interac, card networks (Visa/Mastercard), sponsoring banks, program managers, and auditors.
• Monitoring & Investigations: Lead transaction monitoring, case management, SAR/STR filings, EDD, and remediation; oversee model tuning and effectiveness reviews.
• Risk & Controls: Own enterprise compliance risk assessments (AML/ATF, sanctions, fraud, consumer protection, privacy), control testing, internal audits, and corrective action plans.
• Onboarding & Due Diligence: Drive KYC/KYB, sanctions/PEP screening, periodic reviews, and third-party/vendor risk management.
• Standards & Frameworks: Ensure adherence to PCI DSS, PIPEDA, OSFI-relevant expectations (via sponsor bank), SOC 2, and internal security policies.
• Rules & Licensing: Maintain MSB registration and filings; track emerging regs and network rule changes; brief the exec team and Board on regulatory developments.
• Metrics & Reporting: Define and report KPIs/KRIs (alerts, filings, backlogs, QA pass rates, audit issues, remediation status, training completion)