TransferMate – a subsidiary of CluneTech – was established in 2010 when we began working with regulators around the world to secure licenses to operate as a global payment’s provider. With a global payments network covering 200+ countries and territories, TransferMate have established partnerships with some of the largest banks, fintechs and software providers in the world. The combination of our regulated network, award winning technology and strategic partnerships culminated in 2022 when the business achieved Unicorn status.

Our team is dedicated to delivering the best possible experience for our partners and their customers. We know that a happy team is one that performs at the highest level and our #OneTeam ethos encourages mutual support, respect, recognition, and rewards. In Ireland, we have been recognized as a Great Place to Work for 9 consecutive years, with 35 offices worldwide, we do business across 100+ countries on a daily basis.

The Compliance Manager – US & Canada is responsible for the end-to-end management and oversight of all compliance activities across the United States and Canada, including BSA/AML, regulatory compliance, licensing, and reporting obligations.

This role provides clear ownership and accountability for the North American compliance framework, ensuring both jurisdictions operate in line with regulatory expectations while aligning to global standards.

A key priority of the role is strengthening and maintaining full operational ownership of the Canadian compliance framework, including evolving requirements under FINTRAC and the Retail Payments Activities Act (RPAA), alongside maintaining a robust and effective US BSA/AML programme.

Core Responsibilities

Regional Compliance Oversight (US & Canada)

• Take ownership of day-to-day compliance activities across the US and Canada.

• Act as the primary escalation point for AML, regulatory, and compliance matters.

• Ensure consistent application of global policies, adapted for jurisdiction-specific requirements.

US BSA/AML Management

• Act as the designated BSA/AML Compliance Officer for the US entity.

• Ensure adherence to FinCEN requirements and broader BSA/AML regulatory expectations.

• Oversee SAR reporting, transaction monitoring, and investigative frameworks.

• Maintain and enhance the effectiveness of the US AML programme.

Canada Compliance Ownership (Priority Area)

• Take full operational ownership of compliance in Canada, including:

  • FINTRAC requirements under PCMLTFA

  • Implementation and ongoing management of RPAA obligations

• Oversee regulatory reporting, audits, and regulator engagement.

• Ensure all aspects of Canadian compliance are effectively managed and embedded.

Regulatory Reporting & Licensing

• Manage regulatory reporting obligations across both jurisdictions.

• Oversee annual licence renewals and ongoing regulatory filings.

• Monitor regulatory developments and implement required policy and procedural updates.

AML & Financial Crime Programme

• Oversee CDD, EDD, transaction monitoring, and investigation processes.

• Review and approve escalated high-risk customers and transactions.

• Ensure consistency, quality, and timeliness in SAR/STR reporting.

Audit, Risk & Governance

• Coordinate and manage internal and external audits and regulatory examinations.

• Own remediation of findings through to closure.

• Maintain clear governance structures and reporting lines across compliance activities.

Business & Stakeholder Engagement

• Partner with Sales, Operations, and Global Compliance teams to embed compliance across all activities.

• Provide pragmatic, risk-based guidance on onboarding and complex client scenarios.

• Support business growth within defined regulatory frameworks.

Team Management & Development

• Manage and develop North America compliance resources.

• Reduce key-person dependency through cross-training and knowledge sharing.

• Contribute to hiring, performance management, and capability development.

Skills & Experience

• 8–12+ years’ experience in AML, financial crime, or regulatory compliance within a regulated financial institution, MSB, or fintech.

• Strong knowledge of:

  • US BSA/AML requirements (FinCEN)

  • Canadian MSB framework (FINTRAC / PCMLTFA)

• Experience managing regulatory reporting, audits, and licensing requirements.

• Proven ability to operate in a hands-on role with clear ownership of compliance activities.

• Experience engaging with regulators and supporting examinations.

• Strong understanding of operational compliance across onboarding, monitoring, and reporting.

Leadership Profile

• Accountable and detail-oriented with strong ownership mindset

• Practical and commercially aware approach to compliance

• Able to operate effectively in a fast-paced, multi-jurisdictional environment

• Clear communicator with ability to engage across teams and senior stakeholders

What’s in it for you?

At Transfermate, we are a community of like-minded individuals committed to excellence in everything we do. We create an innovative, collaborative, and supportive workplace that allows our brilliant people to unleash their potential.

Recognised as a both a Great Place to Work and Deloitte Best Managed Company, we believe that recognition goes much deeper than just financial rewards. Therefore, in addition to a competitive salary, we also offer an exclusive benefits package that includes:

• Competitive pension

• Flexible Working Policy with a combination of remote and office working and a flexible approach to working hours

• Competitive annual leave and a number of other leaves including IVF, compassion, marriage, maternity and paternity leave

• Employee-led CSR Programme, CluneTech Cares, with one paid Volunteer Day per year

• Death in Service Benefit

• Milestone Recognition Programme

• Professional & Personal Development

• Rewards & Recognition

• Employee Wellbeing Programme, CluneTech Life

Transfermate is an Equal Opportunity Employer and is committed to the principle of equal employment opportunity for all employees. We are committed to building and maintaining a culture which is free from discrimination and harassment and where all employees can bring their best selves to work.