Compliance Associate

Capi http://www.capimoney.com/ is building the financial infrastructure for emerging markets trade. Backed by $18M+ from top-tier investors like Creandum, Y Combinator, General Catalyst, and angels from Revolut, Checkout, Stripe, and Remitly, we’re building the financial infrastructure that emerging markets deserve. Our mission is to grow GDP in emerging markets by making the global financial system fairer and more accessible. We’re tackling global trade, making it easier for importers to pay their international suppliers. Our platform enables businesses to expand rapidly, create jobs, and be engines of prosperity for their countries. Our team is made up of approx 100 people across 10 countries; we are a group of a highly-ambitious, get-it-done people, who like to work hard on something that has a tangible impact in the world. And we’re looking for more people to join our team! Take a look through Capi’s mission & values. https://capimoney.com/mission-and-values THE ROLE You will be the fifth person on our compliance team, someone who rolls up their sleeves and gets things done. Day to day, that means reviewing onboardings, running transaction monitoring, supporting partner diligence, and helping implement processes that reflect our policies. We do not want compliance to be a wall. We want it to be an engine. You will help make that real by working closely with Legal, Finance, and Ops to embed compliance into how the business functions. WHAT YOU WILL DO CUSTOMER ONBOARDING & KYB - Conduct KYC/KYB reviews and prepare onboarding recommendations, escalating high-risk or ambiguous cases (including complex ownership structures, PEPs, and clients in high-risk jurisdictions) to senior team members and/or the MLRO. - Support Enhanced Due Diligence (EDD) case preparation under the guidance of senior colleagues. - Help keep KYB processes operationally efficient as well as compliant, working with the Product team to flag friction points without compromising our regulatory standards. - Contribute to scaling onboarding and refresh processes as Capi grows into new markets. TRANSACTION MONITORING - Review flagged transactions and clear sanctions screening alerts in a timely, thorough way, working to defined SLAs . - Handle follow-ups with customers and internal teams to gather information needed to clear cases. - Escalate unusual fact patterns or potential financial-crime typologies to senior team members. - Draft SAR/STR write-ups for senior review, and document case decisions clearly. PARTNERSHIP & FX DILIGENCE - Assist with information gathering for new partner and payment corridor due diligence (for example, when we launch new banking or FX partnerships) - Help respond to regulatory and partner document requests. - Support the team in implementing compliance processes as Capi launches into new markets. REGULATORY & POLICY - Monitor regulatory developments across Capi’s jurisdictions in North America, Africa and Europe and translate them into practical, timely guidance for the business. - Advise on new product launches, market entries, and partnerships - giving clear, commercial, risk-proportionate guidance. - Enforce Capi’s compliance policies and procedures and propose changes to them if you spot any improvements that could be made. EXPERIENCE - 2-5 years in compliance, AML, or a related role (fintech, payments, or banking background a plus) - Hands-on experience with KYB, transaction monitoring, or customer due diligence - Exposure to African markets, even if indirect, is a real advantage - Familiarity with UK FCA rules; Canadian regulatory experience (FINTRAC) is a bonus SKILLS - Foundational understanding of UK AML/KYC obligations. - Sharp attention to detail — you catch things others miss. - Clear communicator, written and verbal; able to summarise compliance findings and rationale in plain language. - Comfortable using data and tools to make better decisions, not just gut feel. - A natural AI user — you default to finding smarter,