About Us:
- Estoy is a growing crypto-focused company operating across international markets.
- Our mission is to build efficient, transparent financial operations that support innovation in the digital asset and fintech ecosystem.
- We are a fast-paced and rapidly evolving startup seeking proactive individuals who thrive in high-performance environments and are excited to help scale our operations.
About the Role:
- Estoy is seeking a Global Compliance Officer to strengthen and support its compliance program across the jurisdictions in which the Company operates or plans to expand.
- This role will oversee financial crime controls, support regulatory compliance and licensing initiatives, and coordinate with local compliance officers, external counsel, regulators, and internal stakeholders.
- The ideal candidate combines practical AML/CFT experience with an understanding of digital asset risks and the ability to translate regulatory requirements into effective policies and operational controls.
- Experience supporting licensing applications in the United States is strongly preferred.
Key Responsibilities:
- Maintain and enhance the Company’s global compliance framework, aligning policies and controls with applicable regulations and jurisdiction-specific requirements.
- Implement and monitor anti-money laundering and counter-terrorist financing controls, including KYC/KYB, customer due diligence, enhanced due diligence, beneficial ownership verification, and ongoing monitoring.
- Oversee sanctions, politically exposed person (PEP), and adverse media screening, including the review and escalation of potential matches.
- Support transaction monitoring across fiat and digital asset activity, including alert reviews, investigations, escalation, and documentation.
- Coordinate the preparation and submission of suspicious activity reports and other regulatory filings with appropriately authorized local compliance personnel.
- Conduct business-wide and jurisdiction-specific risk assessments covering customers, products, services, transaction channels, and geographic exposure.
- Support applicable Travel Rule implementation and oversight for digital asset transfers.
- Monitor regulatory developments across relevant markets and translate changes into policies, procedures, and actionable compliance requirements.
- Support applications, registrations, license renewals, and ongoing regulatory obligations for digital asset, payments, and money transmission activities.
- Coordinate with regulators, financial intelligence units, external counsel, auditors, banking partners, and local compliance teams.
- Assess compliance risks associated with new products, market expansion, business partners, and third-party service providers.
- Support regulatory examinations, independent compliance reviews, and internal and external audits; track findings and remediation through completion.
- Maintain accurate compliance records, reporting calendars, and management reports on key risks, control effectiveness, and outstanding issues.
- Deliver compliance training and provide practical guidance to teams across the Company.
- Escalate material compliance concerns promptly and exercise independent professional judgment.
Required Qualifications:
- Bachelor’s degree in Law, Finance, Business Administration, Accounting, or a related field.
- At least two years of proven experience as a Compliance Officer or in an equivalent AML/regulatory compliance role within banking, payments, fintech, digital assets, capital markets, or another regulated financial services business.
- Strong practical knowledge of AML/CFT principles, risk-based compliance programs, and relevant FATF standards.
- Hands-on experience with customer due diligence, transaction monitoring, sanctions screening, investigations, and suspicious activity reporting processes.
- Understanding of digital assets, virtual asset service providers (VASPs), wallet activity, fiat and crypto transaction flows, and related financial crime risks.
- Ability to interpret regulatory requirements across jurisdictions and work with local specialists to implement appropriate controls.
- Experience preparing regulatory documentation and supporting interactions with regulators, auditors, or supervisory authorities.
- ACAMS CAMS, FIBA AMLCA, or an equivalent recognized AML/compliance certification, either active or actively being pursued.
- Strong English proficiency, both written and verbal, for regulatory documentation and international coordination.
- Strong analytical skills, attention to detail, confidentiality, and sound professional judgment.
- Ability to work independently, manage competing priorities, and collaborate across departments and time zones.
Preferred Qualifications:
- Prior compliance experience within a crypto exchange, regulated VASP, or digital asset financial services provider.
- Demonstrated experience supporting or managing U.S. licensing applications, particularly state Money Transmitter Licenses (MTLs) through the Nationwide Multistate Licensing System (NMLS).
- Experience preparing licensing application packages, coordinating with external counsel, responding to regulator inquiries, and supporting license renewals and examinations.
- Experience with FinCEN Money Services Business (MSB) registration and associated federal compliance obligations.
- Familiarity with the U.S. Bank Secrecy Act (BSA), FinCEN requirements, and OFAC sanctions compliance.
- Experience supporting digital asset or payments licensing and registrations in other jurisdictions.
- Experience implementing Travel Rule solutions and using blockchain analytics platforms such as Chainalysis, Elliptic, or TRM Labs.
- Experience working in multinational organizations or supporting cross-border financial services.
- Additional certifications in sanctions, fraud, or risk management, such as CGSS or CFE.
- Spanish proficiency or additional languages relevant to the Company’s markets.
What We Offer:
- Competitive compensation in USD.
- Fully remote work environment.
- Opportunity to work with a global, fast-growing startup.
- Career growth and continuous learning within a dynamic international team.
