Wave Financial

Free invoicing and accounting with payroll

Lead Compliance Analyst

Regulatory Compliance & EthicsPosted on Nov 10

Full-timeRemote in CanadaCA$84k - CA$126k /yrRemote

About the Job

Requirements

At least 6 years of regulatory or product compliance experience at a fintech, payments company, payment service provider, bank, or other regulated financial services firm.
Hands-on experience building a compliance program component from scratch, such as policies, risk assessment, regulatory inventory, or issue management.
Working knowledge of payments regulation and card network rules, with experience in at least one of U.S. money movement (NACHA/ACH, Regulation E, UDAAP) or Canadian payments (RPAA, FINTRAC, PIPEDA).
Experience embedded with product and engineering teams, reviewing features before launch.
Ability to write clearly and concisely, translating regulations into requirements engineers can implement.
Comfort working with ambiguity and shifting priorities in an integration environment.

Responsibilities

Build and maintain the regulatory inventory, identifying applicable rules by product and jurisdiction, obligation owners, and compliance evidence.
Design the policy framework, including taxonomy, ownership, approval authority, and review cadence, and write or refresh core policies and procedures.
Run compliance risk assessments for regulatory and product risks across Payments, Payroll, Invoicing, Accounting, Advisors, and Partnerships.
Support issue management and remediation tracking by ensuring open findings have an owner, date, and visible progress.
Own the regulatory change process by tracking U.S. and Canadian changes, assessing impact, and routing actions to the appropriate teams.
Maintain the registration and license calendar to ensure renewals and filings do not lapse.
Operate the tiered product compliance review process by triaging intake, setting conditions, and making approve, approve-with-conditions, or decline decisions.
Partner with Product, Engineering, Legal, and Risk early in product design.
Review high-risk launches, including new payment flows, onboarding changes, data sharing, and new jurisdictions.
Apply the Product Compliance Evidence Standard and ensure launches leave an audit-ready trail.
Review marketing claims and customer communications against the Marketing Content Guidelines.
Build compliance oversight of key processors and partners, including obligations mapping, contract review input, monitoring, and escalation.
Oversee partner due diligence and maintain the data-sharing register.
Coordinate card network, processor, and partner audits, attestations, and inquiries.
Produce program reporting for leadership, including scorecards, key performance indicators, open issues, and emerging risks.
Identify manual work suitable for automation and build lightweight tooling, such as artificial intelligence assistance, to reduce it.

Desired Qualifications

Experience with both U.S. and Canadian regulations.
Privacy program experience (PIPEDA, Quebec Law 25, CCPA) or exposure to PCI DSS, SOX, or HIPAA controls.
Payroll, tax, or small-business fintech background.
Experience with partner or processor oversight, network attestations, or regulatory examinations.
People leadership or formal mentoring.
CRCM, CAMS, CAMLO training, or similar.

Salary Range: 84000 to 126000 (Currency: CAD) (Pay period: per-year-salary)

At Wave, we help small businesses to thrive so the heart of our communities beats stronger. We work in an environment buzzing with creative energy and inspiration. No matter where you are or how you get the job done, you have what you need to be successful and connected. The mark of true success at Wave is the ability to be bold, learn quickly and share your knowledge generously.

You’ll be the CCO’s main partner in scaling our compliance program. Half the job is design: turning regulatory obligations into frameworks, policies and controls that product teams/engineering teams/etc can build against. The other half is running it: reviewing launches, tracking conditions, and keeping commitments to partners and regulators on time.

Here's how you will make an impact:

Build the program foundations

Build and maintain the regulatory inventory: which rules apply to which products and jurisdictions, who owns each obligation, and how we evidence compliance

Design the policy framework (taxonomy, ownership, approval authority, review cadence) and write or refresh core policies and procedures

Run the compliance risk assessment for regulatory and product risk across Payments, Payroll, Invoicing, Accounting, Advisors and Partnerships

Support Issue Management and remediation tracking so open findings have an owner, a date and visible progress

Own the regulatory change process: track changes in the USA and Canada, assess impact, route actions to the right team

Maintain the registration and license calendar so renewals and fillings never lapse

Run Product Compliance

Operate the tiered review process: triage intake, set conditions, give clear approve/approve-with-conditions/decline decisions

Partner with Product, Engineering, Legal and Risk early in design

Review high-risk launches: new payment flows, onboarding changes, data sharing, new jurisdictions

Apply the Product Compliance Evidence Standard and make sure launches leave an audit-ready trail

Review marketing claims and customer communications against the Marketing Content Guidelines

Oversee third parties and partners

Build compliance oversight of key processors and partners: obligations mapping, contract review input, monitoring, escalation

Oversee partner due diligence and maintain the data-sharing register

Coordinate card network, processor, and partner audits, attestations and inquiries

Report and Lead

Produce program reporting for leadership: scorecard, KPIs, open issues, emerging risks

Find the manual work worth automating and building lightweight tooling (ex. AI assistance) to remove it

You Thrive Here By Possessing the Following:

Required

6+ years in regulatory or product compliance at a fintech, payments company, PSP, bank or other regulated financial services firm
Hands-on experience building a compliance program component from scratch: policies, risk assessment, regulatory inventory, issue management or similar
Working knowledge of payments regulation and card network rules, with experience in at least one of: US money movement (NACHA/ACH, Reg E, UDAAP) or Canadian payments (RPAA, FINTRAC, PIPEDA)
Experience embedded with product and engineering teams, reviewing features before launch
Clear, concise writing: you can turn a regulation into a requirement as engineer can build to
Comfort with ambiguity and shifting priorities in an integration environment

Nice to have

Both US and Canadian regulatory experience
Privacy program experience (PIPEDA, Quebec Law 25, CCPA) or exposure to PCI DSS, SOX or HIPAA controls
Payroll, tax or small-business fintech background
Experience with partner or processor oversight, network attestations, or regulatory exams
People leadership or formal mentoring
CRCM, CAMS, CAMLO training or similar

At Wave, we value diversity of perspective. Your unique experience enriches our organization. We welcome applicants from all backgrounds. Let’s talk about how you can thrive here!

Wave is committed to providing an inclusive and accessible candidate experience. If you require accommodations during the recruitment process, please let us know by emailing [email protected]. We will work with you to meet your needs.

We use Google Gemini, a secure AI assistant, during interviews for note-taking purposes only. Notes are kept confidential and are not shared outside the hiring process. This allows our interviewers to stay fully focused on you during the conversation.

This advertised posting is a current vacancy.

About the Company

Wave Financial

Free invoicing and accounting with payroll

Wave Financial provides free financial software for small businesses, freelancers, and independent contractors. Its core tools include invoicing, accounting, and receipt scanning, all available at no cost, with optional paid features for payment processing and payroll. The platform is integrated and easy to use, letting users create invoices, track expenses, manage books, and scan receipts in one place; payment processing starts at 1% and payroll handles taxes and filings. It differentiates itself by offering a free core suite that is tightly integrated, providing a simple, affordable alternative to heavier software like QuickBooks with the goal of helping small businesses maintain healthy cash flow.

Company size: 201-500
Company stage: Acquired
Total funding: $81.1M
Headquarters: Toronto, Canada
Founded: 2009

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