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Director - Financial Crime Office (Deputy AML Officer); Head of Regulatory Relations and Testing

KOHOKOHO (CAN)Risk & Compliance
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Salary
$190K - $230K CAD
Job type
Full-time
Work mode
Remote
Posted
8 Sept 2026
Status
Open · checked 9d ago

About this role

Role Overview

KOHO is seeking an accomplished Director to lead four connected pillars of the compliance function: the Financial Crime Office, Regulatory Relations, Complaints Management, and second-line Compliance Testing. This full-time, remote role suits a compliance leader with deep regulatory experience who thrives in a collaborative, autonomous environment. Reporting to the Chief Compliance Officer, this position owns how the organization detects and disrupts financial crime, manages regulatory interactions, resolves customer complaints, and independently tests compliance controls.

Key Responsibilities

Direct the anti-money laundering, anti-terrorist financing, and sanctions compliance program in alignment with the PCMLTFA and its associated regulations.
Oversee transaction monitoring, alert and case management, enhanced due diligence, sanctions screening, and suspicious transaction reporting quality.
Serve as the central point of contact for regulators, directing the end-to-end management of regulatory examinations, reviews, and information requests.
Own the enterprise complaints management program, establishing policies, escalation pathways, and service standards for fair customer outcomes.
Design and deliver the independent Compliance Testing Program, creating risk-based testing plans derived from the regulatory obligations inventory.
Lead, coach, and develop a multi-disciplinary team across financial crime, testing, and complaints functions while partnering with internal stakeholders.
Apply artificial intelligence, machine learning, robotic process automation, and advanced analytics to optimize transaction monitoring and testing scripts.

Requirements

Bring ten or more years of professional experience across AML and financial crime, compliance testing or audit, regulatory relations, or complaints management within financial services.
Possess working knowledge of Canadian consumer protection, AML, retail banking or payments, and privacy legislation.
Demonstrate direct experience managing regulatory examinations or sensitive information requests with composure under scrutiny.
Bring rigorous attention to documentation and evidence, operating under the principle that unproven controls are unperformed controls.
Background working within regulated fintech, neobanks, or direct-to-consumer financial institutions.

Nice to Have

Holding a relevant professional designation such as CAMS, CFE, CIA, CPA, CRCM, or an equivalent credential.

Skills and Tools

Anti-Money Laundering (AML) and Anti-Terrorist Financing (ATF)
PCMLTFA regulatory compliance
Compliance testing and audit methodologies
Regulatory relations and examination management
Enterprise complaints management and root cause analysis
Artificial intelligence and machine learning applications in RegTech
Transaction monitoring and KYC standards

Salary and Benefits

Budgeted annual salary range of $190,000 to $230,000 CAD.
Pay transparency commitment with compensation determined through market data, skill assessments, work history, and internal pay equity.
Remote-first work setup built around autonomy, asynchronous collaboration, and flexible hours.

About the Company

KOHO is on a mission to make financial services better for every Canadian through transparent financial products that eliminate hidden fees and predatory interest rates. Operating as a performance organization with a strong heart, the company focuses on empowering users to spend smart, save more, and build real wealth. Entering its next chapter as a leaner, smarter, and more AI-integrated organization, KOHO values clarity, ownership, and bold thinking over corporate bureaucracy.

How to Apply

Interested candidates should review the full job details and apply directly on the official KOHO careers page.

Questions candidates ask

What is the salary range for this role?

The budgeted annual salary range for this position is between $190,000 and $230,000 CAD.

Is this a remote position?

Yes, this role operates in a remote-first setup built around autonomy, asynchronous collaboration, and flexible hours.

How many years of experience are required?

Candidates must have 10+ years of experience across AML and financial crime, compliance testing or audit, regulatory relations, or complaints within financial services.

What department does this position report to?

This position sits within the Risk & Compliance department and reports directly to the Chief Compliance Officer.

What professional designations are considered an asset?

Relevant professional designations such as CAMS, CFE, CIA, CPA, CRCM, or equivalent credentials are considered an asset for this role.

Ready to apply?

The application is on the official KOHO careers page.

Apply on company site