AML & Regulatory Compliance Lead

Job Description

This is a role with real impactproviding 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

• 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 highrisk financial crime cases, including preparation of internal and external reports.
• Perform formally delegated MLRO activities where authorised, without assuming primary MLRO responsibility.

• Own daytoday regulatory compliance across duPay, providing pragmatic, businessfocused 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.

• 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.

• Design and oversee riskbased 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.

• 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 rolebased compliance and AML training.

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

What We're Looking For

• 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)

• 6+ years in compliance or legal roles within fintech, payments, emoney institutions, MSBs, or financial regulators
• Strong understanding of payments, wallets, emoney products, merchant acquiring, and banking functions
• Handson 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

• Deep knowledge of regulatory compliance and AML best practices (SVF, RPSCS or transferable frameworks)
• Strong analytical and problemsolving capability
• Excellent written and verbal communication skills
• Sound judgement and decisionmaking in complex, highpressure environments
• Proven leadership and peopledevelopment capability
• High adaptability in fastchanging regulatory environments

Why duPay

At duPay, you'll play a critical role in shaping a scalable, highimpact compliance function at the heart of a growing fintech businessworking closely with leadership, influencing strategy, and enabling innovation responsibly.