**About PayJoy**
PayJoy is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success.
Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system.
Through PayJoy's point-of-sale financing and card offerings, customers gain access to a modern quality of life.
PayJoy's credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times.
Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of **** while achieving solid profitability for sustainable growth.
**This role**
The Compliance and Anti-Money Laundering Manager is responsible for overseeing and executing key regulatory risk management activities, ensuring ongoing compliance with applicable laws, regulations, and supervisory expectations, while driving effective risk mitigation and long-term positive financial impact, for a regulated financial entity, with a focus on consumer protection, transparency, and anti-money laundering regulations.
**Key responsibilities**:
- **Regulatory Compliance & Reporting**
- Ensure the effective execution of the regulatory compliance strategy in Mexico.
- Lead the execution of activities required to comply with privacy and anti-money laundering regulatory obligations.
- Own compliance with regulatory requirements related to the implementation and ongoing assessment of the risk-based approach, including customer risk assessment.
- Support the Compliance Officer in the implementation of automated systems and processes.
- Ensure the timely and accurate submission of regulatory reports to CNBV and CONDUSEF.
**Regulatory Risk Management**




- Lead the execution of the regulatory risk management strategy in Mexico.
- Identify possible regulatory gaps and coordínate remediation with designated risk owners.
- Prepare executive-level reports summarizing the outcomes of regulatory risk management activities.
- Maintain and report key metrics related to regulatory risk levels, number of regulatory risks, compliance status, and remediated gaps, among others.
**Corporate Governance**
- Ensure that the Communication and Control Committee sessions are conducted and recorded on a monthly basis.
- Support the Compliance Officer in the preparation of committee materials, including reports on flagged AML alerts.
- Present AML-related matters requiring approval to the Board of Directors to ensure ongoing regulatory compliance.
**Audits & Supervisions**
- Lead the execution of the annual AML audit.
- Support and coordinate responses to audits and regulatory examinations conducted by CNBV and CONDUSEF.
- Ensure the timely completion and submission of the annual CNBV Operational Questionnaire.
**Regulator requests**
- Coordinate and ensure the effective management of regulatory processes before CONDUSEF through the PUR platform.
- Coordinate and oversee responses to requests from Condusef**Policies & Procedures**
- Support the review and drafting of AML and compliance policies.
- Draft, implement, and maintain AML and compliance standard operating procedures (SOPs)



to standardize processes and ensure consistent regulatory compliance.
**Training & Awareness**
**Qualifications**:
- Bachelor's degree in Law, Accounting, Economics or a related field; a postgraduate degree or specialization in Compliance, Regulatory Law, or Anti-Money Laundering is strongly preferred.
- 5+ years of experience in compliance, regulatory, or risk management roles, with at least 3 years of in-house experience within regulated entities, preferably in financial services or fintech environments.
- Demonstrated exposure to regulatory compliance in financial services, including consumer protection, transparency, and anti-money laundering (AML) obligations.
- Proven experience working with regulators or supervisory authorities, including responding to regulatory requests, audits, inspections, and ongoing supervisory processes.
- Strong background in regulatory risk management, including risk identification, assessment, monitoring, and remediation, within a risk-based compliance framework.
- Solid knowledge and hands-on experience in AML compliance, including customer risk assessment, KYC/KYB processes, transaction monitoring, and regulatory reporting obligations.
- Experience supporting cross-functional teams and partnering closely with business, operations, product, and technology stakeholders to enable compliant business operations.
- Practical understanding of the Mexican regulatory framework applicable to financial institutions and fintechs, including CNBV and CONDUSEF requirements.
- Experience contributing to corporate governance forums, including compliance committees, management committees, and Board-level reporting.
- Proven ability to operate effectively within a matrix reporting structure, coordinating between local and glob

📌 Compliance Manager (México)
🏢 Payjoy
📍 México