AML And Regulatory Compliance Lead

duPay is looking for an experienced AML & Regulatory Compliance Lead to support the Money Laundering Reporting Officer (MLRO) and Chief Risk & Compliance Officer (CCRO) in strengthening and scaling our compliance and financial crime frameworks. This is a role with real impact—providing oversight, challenge, and guidance across AML/CFT, regulatory compliance, and financial crime, while enabling duPay’s growth as a regulated fintech business.

What You’ll Do

Financial Crime Compliance (AML/CFT, Sanctions & Fraud)

• Support the MLRO in maintaining and enhancing AML/CFT, sanctions, fraud, and financial crime frameworks in line with regulatory expectations and best practices.
• Oversee the effective operation of CDD, EDD, transaction monitoring, sanctions screening, and suspicious activity reporting.
• Review and escalate complex or high‑risk financial crime cases, including preparation of internal and external reports.
• Perform formally delegated MLRO activities where authorised, without assuming primary MLRO responsibility.

Regulatory Compliance Oversight & Advisory

• Own day‑to‑day regulatory compliance across duPay, providing pragmatic, business‑focused advice.
• Advise on conduct risk, consumer protection, complaints handling, outsourcing, and payments regulation.
• Support regulatory change management by identifying, assessing, and tracking regulatory developments to completion.
• Assist with regulatory interactions, submissions, and meetings under CCRO/MLRO direction.

Policies, Governance & Frameworks

• Develop, review, and maintain compliance and financial crime policies and frameworks aligned with regulatory requirements and risk appetite.
• Prepare governance papers, management information, risk assessments, and regulatory updates for senior leadership and the Board.
• Support regulatory submissions, attestations, and responses to enquiries.

Monitoring, Assurance & Risk Management

• Design and oversee risk‑based compliance monitoring and testing programmes.
• Identify control gaps, oversee remediation, and track audit and regulatory findings.
• Contribute to compliance and AML/financial crime risk assessments and thematic reviews.

Leadership, Culture & Training

• Mentor and develop compliance team members, supporting capability building and succession planning.
• Promote a strong culture of compliance and ethical conduct across the business.
• Support the design and delivery of role‑based compliance and AML training.

Business Enablement

• Partner with product, technology, operations, and commercial teams to embed compliance into new products and partnerships from day one.
• Apply a proportionate, risk‑based approach that enables innovation while meeting regulatory expectations.
• Stay ahead of regulatory and fintech developments to keep frameworks forward‑looking.

What We’re Looking For

Qualifications

• Advanced legal education or a Master’s degree in Law or a related field from a recognised institution
• (Relevant professional experience may be considered in lieu of a degree)

Experience

• 6+ years in compliance or legal roles within fintech, payments, e‑money institutions, MSBs, or financial regulators
• Strong understanding of payments, wallets, e‑money products, merchant acquiring, and banking functions
• Hands‑on experience with UAE regulatory frameworks, particularly in financial services and fintech
• Proven experience designing and managing AML and regulatory compliance programmes
• Confident stakeholder management with regulators and senior internal stakeholders

Skills

• Deep knowledge of regulatory compliance and AML best practices (SVF, RPSCS or transferable frameworks)
• Strong analytical and problem‑solving capability
• Excellent written and verbal communication skills
• Sound judgement and decision‑making in complex, high‑pressure environments
• Proven leadership and people‑development capability
• High adaptability in fast‑changing regulatory environments

Why duPay

At duPay, you’ll play a critical role in shaping a scalable, high‑impact compliance function at the heart of a growing fintech business—working closely with leadership, influencing strategy, and enabling innovation responsibly.