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UAE Compliance Officer and MLRO
Location: Dubai, UAE
About OpenFX
OpenFX is on a mission to move money as freely as data, unrestricted by time zones, banking hours, or legacy systems. We are building the infrastructure that will power the next generation of cross-border payments for institutions, leveraging stablecoins and innovative strategies that are delivering low-cost, real-time settlement of transactions. The team's execution has been exceptional, and we're scaling at a remarkable pace. Our stellar early team comes with experience in leading technology and financial services companies including J.P. Morgan, Goldman Sachs, Stripe, FalconX, PayPal & others. We're backed by Accel, Faction, NfX, Accomplice, and other top-tier investors.
Role Overview
We are seeking a Compliance Officer (CO) and Money Laundering Reporting Officer (MLRO) - someone who is hands-on and can take full ownership to build and scale our compliance program across the UAE. This is a foundational role critical to establishing OpenFX's Compliance infrastructure for our UAE regulated entities, which serve as the hub for our Middle East and global operations. You will lead the UAE compliance function, adapting and implementing OpenFX’s global policies, procedures, and controls to enable strong growth alongside effective compliance and risk management across our virtual asset (VA) and payments activities.
As the appointed CO and MLRO, you will be the primary point of contact with UAE regulators, supporting licensing activities across the broader UAE regulatory landscape.
Key Responsibilities
- Contribute to building OpenFX's global compliance infrastructure, including comprehensicave compliance policies, procedures, and systems for the OpenFX Group and for OpenFX's UAE regulated entity that address regulatory requirements with respect to virtual assets and payments, AML/CFT, sanctions, and privacy and data security, among others
- Lead and support licensing initiatives in the UAE, serving as the primary point of contact with UAE regulators; support licensing workstreams across other UAE regulatory perimeters as the business scales
- Serve as the Money Laundering Reporting Officer (MLRO) and AML/CFT Compliance Officer for our UAE regulated entity engaged in virtual asset and payment activities, owning and enhancing OpenFX's AML/CFT programs in the UAE to efficiently prevent, detect, and report money laundering, terrorist financing, and other financial crimes, and ensuring alignment with UAE AML/CFT legislation and applicable regulatory requirements
- Leverage compliance tools, RegTech solutions, and analytics to enhance program effectiveness, efficiency, and scalability, including transaction monitoring systems and blockchain analytics platforms
- Stay current on UAE regulatory developments, assess impact on OpenFX operations and develop and implement expanded compliance policies and procedures as needed
- Provide independent oversight of the UAE compliance framework, ensuring that program requirements are robust and effectively implemented. Key responsibilities include overseeing client onboarding, KYC/KYB reviews, and Customer Due Diligence (CDD) to verify adherence to UAE regulatory standards, as well as monitoring the effectiveness of transaction surveillance systems, providing independent challenge to suspicious activity analysis, and ensuring the accuracy and timely submission of all mandatory regulatory filings and reports
- Partner with Product, Engineering, Legal, and Operations and provide compliance advice on market expansion, new product development, and operational changes to ensure compliance as the company scales
- Manage compliance requirements from banking partners, digital asset partners, and payment networks to ensure operational alignment and trust, and serve as the primary compliance point of contact for partner-related compliance inquiries and audits
- Report on the UAE AML/CFT and sanctions program to the UAE Board
What We're Looking For
Required Qualifications:
- Bachelor's degree
- 5+ years of compliance experience in virtual assets, payments, fintech, or financial services
- Strong understanding of UAE financial regulations including UAE AML/CFT legislation, applicable regulatory requirements for virtual assets and payments, UAE Payment Services Regulations
- Hands-on proven experience building and executing compliance programs, policies, and controls at a financial services company, including administration of AML/KYC processes, transaction monitoring, and suspicious activity reporting
- Proven experience serving as MLRO or in a senior AML compliance role at a UAE-regulated virtual asset or payment entity
- Attention to detail and excellent communication skills
- Proven track record working effectively with cross-functional partners and external stakeholders including UAE regulators
- Commitment to teamwork and ability to work in a fast-paced start-up environment
Preferred Qualifications:
- Experience in cross-border payments, FX, and/or virtual asset compliance
- Prior work at a start-up or high-growth company
- Familiarity with compliance technology platforms including transaction monitoring systems (e.g., Actimize, SAS, ComplyAdvantage) and blockchain analytics tools (Chainalysis, Elliptic, TRM Labs)
- Prior experience supporting UAE licensing applications and working directly with UAE financial services regulators
- Experience working across multiple UAE regulatory perimeters, including UAE financial free zones
- Law degree or professional compliance certifications (ICA, ACAMS, CAMS)
What We Offer
- Competitive salary and equity package
- Impact: Help design and build a key foundation of the company's growth and long-term success
- Growth and Learning: Opportunity to work in a fast-paced startup and build the compliance function of a company at the forefront of fintech innovation
- Culture: Collaborative team environment with emphasis on personal and professional growth
- Mission: Help build the future of global financial infrastructure
We are committed to building a diverse and inclusive workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.
Ready to apply?
Apply to OpenFX
About Us
OpenFX is on a mission to move money as freely as data, unrestricted by time zones, banking hours, or legacy systems. We are building the infrastructure that will power the next generation of cross-border payment systems for institutions. The team’s execution has been exceptional, and we’re scaling at a remarkable pace. Our stellar early team comes with experience in companies like J.P. Morgan, Goldman Sachs, FalconX, Paypal, Affirm, Polygon, Kraken, Nium & others. We’re backed by Accel, Faction, NfX, Accomplice, and other top-tier investors.
Role Overview
We are seeking a sharp and experienced Compliance Manager to join our dynamic team. They will work closely with our operations and business development teams to ensure regulatory compliance, mitigate risks, and maintain the integrity of our business practices across all operations.
Key Responsibilities:
Regulatory & Risk Oversight
- Regulatory Compliance: Stay updated on relevant federal, state, and local laws. Monitor regulatory changes and assess their impact on the organization. Assist with regulatory reporting and filing requirements.
- Risk Assessment: Identify potential compliance risks and develop mitigation strategies.
- KYB and Transaction Monitoring: Conduct KYC document reviews, identify deficiencies, and analyze transactional data for suspicious activity.
Policy & Program Governance
- Policy Development: Create and maintain compliance policies and procedures.
- Compliance Program Management: Assist in the development, implementation, and maintenance of compliance programs. Conduct compliance testing and audits.
- Training: Educate employees on compliance policies and procedures.
Monitoring, Reporting & Support
- Monitoring and Auditing: Conduct regular compliance audits and monitoring activities.
- Recordkeeping: Maintain accurate and complete compliance records.
- Reporting: Prepare compliance reports for management and regulatory agencies.
- Issue Resolution: Investigate and resolve compliance issues in a timely manner.
- Project Support: Collaborate with cross-functional teams on compliance-related projects.
What we are looking for
Must haves:
- Bachelor's degree in finance, law, accounting, or related fields.
- 8+ years of relevant experience in regulatory compliance, with strong focus on AML/KYC.
- Strong understanding of financial regulations and compliance frameworks.
- Superior attention to detail to identify compliance issues quickly.
- Experience in crypto/web3-related compliance projects.
What helps you stand out:
- In-depth knowledge of crypto regulatory requirements in one or more geographies, including - US, UK, Europe, UAE and Latin America.
- Proven experience with crypto-specific AML/KYC procedures/third-party service providers, and blockchain analytics tools.
- Experience in drafting Suspicious Transaction Reports (STRs) and articulating grounds for suspicion.
- Broader experience in the fintech/cross-border payments/neobanking industry.
What We Offer
- Competitive salary and benefits package.
- Equity in a rapidly growing company.
- Opportunity to work in a fast-paced startup at the forefront of fintech innovation.
- Opportunity to make a significant impact on global financial infrastructure
- Collaborative work culture with emphasis on personal and professional growth.
We are committed to building a diverse and inclusive workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.
Ready to apply?
Apply to OpenFX
About Us
RedEnvelope is on a mission to become the global backbone for cross-border FX transactions. We are building the infrastructure that will power the next generation of cross-border payment systems for institutions. The team's execution has been exceptional, and they're scaling at a remarkable pace. We're backed by Accel, NFX, Accomplice and other top-tier investors.
We are seeking a talented and experienced Compliance Analyst to join our fast growing compliance team. You will work closely with our operations and business development teams to ensure regulatory compliance, mitigate risks, and maintain the integrity of our business practices across all operations.
Responsibilities
- Regulatory Compliance: Stay updated on applicable federal, state, and local laws and regulations related to the fintech and crypto industry. Monitor regulatory changes and assess their impact on the organization. Assist with regulatory reporting and filing requirements
- Risk Assessment: Identify potential compliance risks and develop mitigation strategies.
- Policy Development: Create and maintain compliance policies and procedures.
- Monitoring and Auditing: Conduct regular compliance audits and monitoring activities.
- Recordkeeping: Maintain accurate and complete compliance records.
- Training: Educate employees on compliance policies and procedures.
- Reporting: Prepare compliance reports for management and regulatory agencies.
- Issue Resolution: Investigate and resolve compliance issues in a timely manner.
- Project Support: Collaborate with cross-functional teams on compliance-related projects.
- KYB and Transaction Monitoring: Conduct KYC document reviews and identify deficiencies. Monitor and analyze transactional data for suspicious activity.
- Compliance Program Management: Assist in the development, implementation, and maintenance of compliance programs. Conduct compliance testing and audits.
Qualifications
- Bachelor's degree in finance, law, accounting, or related field.
- 4-7 years of relevant experience in regulatory compliance, with strong focus on AML/KYC
- Strong understanding of financial regulations and compliance frameworks.
- Excellent analytical and problem-solving skills.
- Attention to detail and accuracy.
- Strong organizational and time management skills.
- Ability to work independently and as part of a team.
- Experience in crypto is required
- In-depth knowledge of crypto regulatory requirements in the US, Europe, and Dubai
- Proven experience with crypto-specific AML/KYC procedures and blockchain analytics tools
- Experience in drafting Suspicious Transaction Reports (STRs) and articulating grounds for suspicion
- Experience working with third-party AML/ KYC service providers
- Experience in the fintech industry is a plus.
- Experience in startups is a plus
What We Offer
- Competitive salary and benefits package.
- Opportunity to work in a dynamic and fast-paced environment.
- Collaborative and supportive work culture.
- Equity in a rapidly growing company.
We are committed to building a diverse and inclusive workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.
Ready to apply?
Apply to OpenFX
About OpenFX
OpenFX is on a mission to move money as freely as data, unrestricted by time zones, banking hours, or legacy systems. We are building the infrastructure that will power the next generation of cross-border payments for institutions, leveraging stablecoins and innovative strategies that are delivering low-cost, real-time settlement of transactions. The team's execution has been exceptional, and we're scaling at a remarkable pace. Our stellar early team comes with experience in leading technology and financial services companies, including J.P. Morgan, Goldman Sachs, Stripe, FalconX, Paypal & others. We’re backed by Accel, Faction, NfX, Accomplice, and other top-tier investors.
Role Overview
We are seeking a Compliance Manager and Money Laundering Reporting Officer (MLRO), someone who is hands-on and can take full ownership to build and scale our compliance program in the UK. This is a foundational role critical to establishing OpenFX's compliance infrastructure for our UK-regulated entity that will operate as a key hub for our European and global operations. You will build the UK compliance function from the ground up, establishing the UK compliance policies, procedures, and systems that will enable strong growth as well as effective compliance and risk management across our payments and crypto-asset services.
You will serve as the MLRO and primary point of contact with our UK regulators, including on our FCA license applications and regulatory filings.
Key Responsibilities
- Contribute to building OpenFX's global compliance infrastructure, including comprehensive compliance policies, procedures, and systems for the OpenFX Group and for OpenFX's UK-regulated entity that address regulatory requirements with respect to payments and virtual currency activities, AML/CFT, sanctions, and privacy and data security, among others
- Lead and support licensing initiatives in the UK, including UK EMI licensure and FCA crypto asset registration, serving as the primary point of contact with the FCA
- Serve as the Money Laundering Reporting Officer (MLRO) and AML/CFT Compliance Officer for our UK-regulated entity engaged in virtual currency and payment activities, owning and enhancing OpenFX's AML/CFT programs in the UK to efficiently prevent, detect, and report money laundering, terrorist financing, and other financial crimes and ensuring alignment with FCA requirement
- Leverage compliance tools, RegTech solutions, and analytics to enhance program effectiveness, efficiency, and scalability, including transaction monitoring systems and blockchain analytics platforms
- Stay current on UK and FCA regulatory developments, assess impact on OpenFX operations and develop and implement expanded compliance policies and procedures as needed
- Provide independent oversight of the UK compliance framework, ensuring that program requirements are robust and effectively implemented. Key responsibilities include overseeing client onboarding, KYC/KYB reviews, and Customer Due Diligence (CDD) to verify adherence to UK regulatory standards, as well as monitoring the effectiveness of transaction surveillance systems, providing independent challenge to suspicious activity analysis, and ensuring the accuracy and timely submission of all mandatory regulatory filings and reports
- Partner with Product, Engineering, Legal, and Operations, and provide compliance advice on market expansion, new product development, and operational changes to ensure compliance as the company scales
- Manage compliance requirements from banking partners, digital asset partners, and payment networks to ensure operational alignment and trust, and serve as the primary compliance point of contact for partner-related compliance inquiries and audits
- Report on the UK AML/CFT and sanctions program to the UK Board
What We're Looking For
Required Qualifications:
- Bachelor's degree
- 8+ years of compliance experience in payments, fintech, or financial services
- Strong understanding of UK financial regulations, including the Money Laundering Regulations, FCA Handbook requirements for AML/CFT, Payment Services Regulations, and Electronic Money Regulations
- Hands-on proven experience building and executing compliance programs, policies, and controls at a financial services company, including administration of AML/KYC processes, transaction monitoring, and suspicious activity reporting
- Proven experience serving as MLRO or in a senior AML compliance role at an FCA-regulated entity
- Attention to detail and excellent communication skills
- Proven track record working effectively with cross-functional partners and external stakeholders, including the FCA
- Commitment to teamwork and ability to work in a fast-paced start-up environment
Preferred Qualifications:
- Experience in cross-border payments, FX, and/or crypto asset compliance
- Prior work at a start-up or high-growth company
- Familiarity with compliance technology platforms, including transaction monitoring systems (e.g., Actimize, SAS, ComplyAdvantage) and blockchain analytics tools (Chainalysis, Elliptic, TRM Labs)
- Prior experience securing UK licenses (EMI, payment institution, or crypto asset registration) and working directly with the FCA
- Law degree or professional compliance certifications (ICA, ACAMS, CAMS)
What We Offer
- Competitive salary and equity package
- Impact: Help design and build a key foundation of the company's growth and long-term success
- Growth and Learning: Opportunity to work in a fast-paced startup and build the compliance function of a company at the forefront of fintech innovation
- Culture: Collaborative team environment with emphasis on personal and professional growth
- Mission: Help build the future of global financial infrastructure
We are committed to building a diverse and inclusive workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.
Ready to apply?
Apply to OpenFX
Head of Americas Licensing and Regulatory Affairs
Share this job
About Us
OpenFX is on a mission to move money as freely as data, unrestricted by time zones, banking hours, or legacy systems. We are building the infrastructure that will power the next generation of cross-border payment systems for institutions. The team's execution has been exceptional, and we're scaling at a remarkable pace. Our stellar early team comes with experience in companies like J.P. Morgan, Goldman Sachs, FalconX, Paypal, Affirm, Polygon, Kraken, Nium & others. We’re backed by Accel, Lightspeed, NfX and other top-tier investors.
Role Overview
Key Responsibilities:
Licensing Acquisition & Maintenance
- Complete execution of pending US state money transmitter license (MTL) applications: Complete preparation, coordination, and submission of MTL applications across all required US states, managing multiple applications simultaneously through approval
- Drive scoping and execution of additional license applications in the Americas: Prepare and submit Money Services Business (MSB) registration in Canada, obtain required U.S. crypto/virtual currency licenses, and secure any required licenses across key Latin American markets.
- Coordinate with external counsel and consultants: Manage relationships with licensing consultants and outside counsel to ensure high-quality, cost-effective support aligned with business needs
- Manage license maintenance activities: Oversee all post-licensing obligations including renewals, amendments, quarterly/annual reporting, surety bond management, net worth requirements, and permissible investment compliance
- Serve as primary regulatory contact: Act as OpenFX's main point of contact with state banking departments, FinCEN, and other US regulators, as well as FINTRAC (Canada) and Latin American financial authorities
- Build and maintain regulator relationships: Establish positive, proactive relationships with key regulatory bodies, positioning OpenFX as a compliant and transparent operator
- Manage regulatory inquiries and examinations: Lead preparations for and responses to regulatory examinations, audits, inquiries, and requests for information from state and federal regulators
- Prepare regulatory submissions: Draft, review, and submit all regulatory filings, notifications, reports, and correspondence with accuracy and within required timelines
- Prepare and manage regulatory reports and filings: Coordinate with Finance and other internal stakeholders to submit quarterly, semi-annual, and annual financial and operational reports required under various licenses
Cross-Functional Collaboration
- Support market expansion: Work with internal teams to identify regulatory requirements for new markets and develop paths to licensure
- Maintain policies and procedures: Review and update regulatory policies, procedures, and compliance manuals to reflect current requirements
- Build and develop the team: As the business scales, recruit and manage licensing and regulatory professionals
What we are looking for
Required Qualifications
- 7+ years of experience in regulatory licensing, regulatory affairs, or regulatory compliance within financial services, fintech, or payments companies
- Proven track record of successfully obtaining and maintaining financial services licenses, particularly US state money transmitter licenses
- Strong knowledge of US state money transmission regulatory frameworks, including application processes, surety bond requirements, net worth rules, and examination procedures
- Regulatory filing expertise: Demonstrated experience preparing and submitting regulatory reports, notifications, and responses to regulatory inquiries
- Regulator relationship experience: Track record of successfully interfacing with state banking departments, FinCEN, and other financial regulators
- Exceptional project management skills: Ability to manage multiple complex, time-sensitive licensing applications and compliance obligations simultaneously
- Outstanding written communication skills: Experience drafting regulatory submissions, applications, policies, and correspondence to regulators
- Meticulous attention to detail: Strong analytical skills with ability to navigate complex regulatory requirements and ensure accuracy in all submissions
- Collaborative approach: Commitment to teamwork and ability to work effectively with cross-functional teams and external advisors
- Bachelor's degree required; JD preferred
What helps you stand out:
- Experience in cross-border payments, FX, or crypto industries
- Experience with crypto/digital asset licensing (e.g., NY BitLicense, state virtual currency licenses)
- Experience with international licensing (Canada MSB registration, Latin American licenses)
- Prior work at a high-growth fintech or payments startup managing rapid licensing expansion
- Existing relationships with state regulators, CSBS, or Money Transmitter Regulators Association (MTRA)
- Familiarity with RegTech tools and automation for regulatory compliance and reportin
What We Offer
- Competitive salary and benefits package
- Impact: Own the licensing function at a critical growth stage and directly enable business expansion
- Growth: Opportunity to build a function and help scale a successful high-growth company
- Learning: Opportunity to work in a fast-paced startup at the forefront of fintech innovation.
- Culture: Collaborative team environment with emphasis on personal and professional growth
- Mission: Help build the future of global financial infrastructure
We are committed to building a diverse and inclusive workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.
Ready to apply?
Apply to OpenFX
Americas Compliance Manager and BSA Officer
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About OpenFX
OpenFX is on a mission to move money as freely as data, unrestricted by time zones, banking hours, or legacy systems. We are building the infrastructure that will power the next generation of cross-border payments for institutions, leveraging stablecoins and innovative strategies that are delivering low-cost, real-time settlement of transactions. The team's execution has been exceptional, and we're scaling at a remarkable pace. Our stellar early team comes with experience in companies like J.P . Morgan, Goldman Sachs, Stripe, FalconX, Paypal & others. We’re backed by Accel, Faction, NfX, Accomplice, and other top-tier investors.
Role Overview
We are seeking a strategic and hands-on Compliance Manager and BSA Officer to build and scale our compliance program across the US, Canada, and Latin America. This is a foundational role critical to establishing OpenFX's compliance infrastructure for our regulated US entity and expanding operations throughout the region. You will design and implement comprehensive compliance policies, procedures, and systems that enable compliant growth while managing risks across our payments and crypto-asset services.
Key Responsibilities
- Contribute to building OpenFX’s global compliance infrastructure, including comprehensive compliance policies, procedures, and systems for the OpenFX Group and for OpenFX's regulated US entities that address regulatory requirements with respect to payments and virtual currency activities, AML, and privacy and data security, among others
- Serve as BSA/AML Officer for our US regulated money service business entities and own and enhance OpenFX's BSA/AML programs in the Americas to efficiently prevent, detect, and report money laundering, terrorist financing, and other financial crimes and ensure alignment with local requirements
- Stay current on regulatory developments across the Americas and assess impact on OpenFX operations and develop and implement expanded compliance policies and procedures as needed
- Support implementation of compliance program requirements for our US regulated entities and other Group entities, including conducting risk assessments, onboarding clients and conducting KYC/KYB document reviews and customer due diligence, analyzing transactional data for suspicious activity, and facilitating preparation of required reports and audits
- Leverage compliance tools, RegTech solutions, and analytics to enhance program effectiveness, efficiency, and scalability
- Partner with Product, Engineering, Legal, and Operations and provide compliance advice on market expansion, new product development, and operational changes to ensure compliance as the company scales
- Manage compliance requirements from banking partners, digital asset partners, and payment networks to ensure operational alignment and trust, and serve as the primary compliance point of contact for partner-related compliance inquiries and audits
- Support licensing initiatives in the Americas and globally
What We're Looking For
Required Qualifications:
- Bachelor's degree
- 10+ years of compliance experience in payments, fintech, or financial services
- Strong understanding of US financial regulations including BSA/AML and money transmitter laws and regulations
- Hands-on experience building and executing compliance programs, policies, and controls at a financial services company, including administration of AML/KYC processes, transaction monitoring, and SAR filings
- Attention to detail and excellent communication skills
- Proven track record working effectively with cross-functional partners and external stakeholders, including US financial regulators
- Commitment to teamwork and ability to work in a fast-paced startup environment
Preferred Qualifications:
- Experience in cross-border payments, FX, and/or crypto asset compliance
- Prior work at a start-up or other high-growth company
- Familiarity with compliance technology platforms and transaction monitoring systems and blockchain analytics tools (Chainalysis, Elliptic, TRM Labs)
- Prior experience as BSA officer of a regulated entity
- Experience with compliance requirements in Canada and/or Latin American markets
- Law degree
What We Offer
- Competitive salary and benefits package
- Impact: Help design and build a key foundation of the company’s growth and long-term success
- Growth and Learning: Opportunity to work in a fast-paced startup and build the compliance function of a company at the forefront of fintech innovation.
- Culture: Collaborative team environment with emphasis on personal and professional growth
- Mission: Help build the future of global financial infrastructure
We are committed to building a diverse and inclusive workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.
Ready to apply?
Apply to OpenFX