Pay.com is seeking a Senior Compliance Supervisor with deep experience in AML,
regulatory compliance, and payments program oversight to support and supervise day-to-day execution of the US compliance program.

This role requires 7+ years of experience in payments, fintech, or regulated financial services, with strong exposure to high-risk merchant categories including sweepstakes, gaming, gambling-adjacent, crypto and digital platform models. This role is responsible for supervising operational compliance workflows, performing complex AML and regulatory reviews, validating merchant risk decisions, and ensuring ongoing program control execution.

The position includes supervisory and quality-control responsibility over compliance review activities.

Core Responsibilities

Supervise and perform enhanced AML/KYC/KYB reviews for high-risk merchants
Review and approve complex merchant onboarding risk assessments
Conduct enhanced due diligence for elevated-risk verticals
Validate beneficial ownership and control person analysis
Review and sign off on AML merchant review reports and risk ratings
Ensure merchant files meet sponsor bank and card network standards
Supervise transaction monitoring alert reviews and investigations
Review and validate suspicious activity analysis and case documentation
Ensure alert escalation decisions meet AML program standards
Oversee monitoring thresholds and rule effectiveness reviews
Support SAR decision packages and investigative documentation
Oversee compliance controls tied to card network and sponsor-bank programs
Review program registration data and PIF inputs
Validate transaction and velocity limit documentation
Supervise OCT-payout and Money-send compliance control checks
Ensure program-level compliance conditions are documented and followed
Lead preparation support for sponsor-bank and regulatory audits
Review and approve compliance evidence packages
Supervise regulatory request responses and documentation gathering
Maintain audit-ready compliance files and workpapers
Track remediation items and corrective action follow-up
Review and refine AML and risk assessment methodologies
Supervise periodic merchant review and refresh cycles
Validate policy and procedure operational alignment
Oversee control testing documentation and results
Ensure consistency across compliance review templates and reports
Senior-level compliance judgment and risk assessment
Supervisory and quality-control capability
Advanced compliance writing and documentation skills
Regulatory interpretation and control application
Strong workflow governance discipline
Ability to manage multiple high-risk reviews simultaneously

Qualifications

7+ years AML / BSA / regulatory compliance experience
Strong payments / fintech / sponsor-bank program background
Experience with high-risk merchant categories
Experience supervising AML or compliance review teams
Deep KYC/KYB and enhanced due diligence expertise
Transaction monitoring and investigative oversight experience
Regulatory audit and exam support experience
CAMS, ETA CPP or equivalent certification
Card network compliance framework experience
Sweepstakes or promotional gaming compliance exposure
Sponsor bank relationship support experience

What we offer

Flexible working hours
Career Growth, we support professional development with ongoing learning and clear paths to learning
Medical Insurance coverage after completing the probation period
Provident fund after completing the probation
Daily lunch from Monday to Thursday, and happy hour on Friday
Work Balance between the office and home

PAYCOMCY LIMITED remote jobs

Merchant Support (Shifts)

Deputy AMLCO

Senior Compliance Supervisor