Regulatory Program Lead, Canada

Since we opened our doors in 2009 the world of commerce has evolved immensely and so has Square. After enabling anyone to take payments and never miss a sale we saw sellers stymied by disparate outmoded products and tools that wouldnt work together.

So we expanded into software and started building integrated omnichannel solutions to help sellers sell online manage inventory offer buy now pay later functionality book appointments engage loyal buyers and hire and pay staff. Across it all weve embedded financial services tools at the point of sale so merchants can access a business loan and manage their cash flow in one place. Afterpay furthers our goal to provide omnichannel tools that unlock meaningful value and growth enabling sellers to capture the next generation shopper increase order sizes and compete at a larger scale.

Today we are a partner to sellers of all sizes large enterprise-scale businesses with complex operations sellers just starting as well as merchants who began selling with Square and have grown larger over time. As our sellers grow so do our solutions. There is a massive opportunity in front of us. Were building a significant meaningful and lasting business and we are helping sellers worldwide do the same.

Blocks Canada Compliance team is building a scalable technology-enabled compliance function for our regulated Canadian entities - Square Canada and Afterpay Canada. Reporting to the Chief Compliance Officer Canada and serving as a designee of the CCO in governance forums Board meetings and regulatory engagements you will be a full-stack compliance leader: driving the annual compliance plan end-to-end overseeing frameworks across AML/ATF sanctions the Retail Payment Activities Act (RPAA) consumer protection privacy and payment card industry obligations and co-building the AI-enabled programs and tools that keep both entities aligned with Canadian regulatory expectations and Blocks global standards.

• Serve as the Regulatory Program Lead for Blocks Canadian regulated entities acting as a designee of the CCO in governance forums Board meetings and regulatory engagements
• Lead end-to-end execution of the annual Canada Compliance Plan - regulatory change management monitoring and testing risk assessments and policy reviews - delivering against key milestones and regulatory commitments
• Run Canadas compliance programs across AML/ATF (Square Canada MSB) RPAA the PCI Code of Conduct and consumer protection and privacy obligations (PIPEDA CASL FCAC provincial requirements) including FINTRAC registration and support for regulatory examinations and audits
• Lead governance and tracking of regulatory commitments audit actions and findings - driving issue management and remediation through to closure - while maintaining the compliance risk assessment framework policies and governance documentation
• Prepare Board and governance committee materials translating multi-domain regulatory complexity into clear decision-ready narratives for senior leadership
• Lead cross-functional regulatory programs across Legal Risk Product Operations and Engineering driving operational excellence through process improvement automation and AI-enabled compliance solutions
• Coordinate compliance training and targeted regulatory awareness materials for senior leadership Boards and business stakeholders

• 10 years of progressive experience in compliance financial crime or regulatory affairs which must include payments compliance at a regulated payments entity - an MSB payment service provider acquirer or comparable fintech such as Square Canada and serving in or directly supporting a senior compliance leadership role (CCO Deputy CCO Head of Compliance CAMLO / Deputy CAMLO)
• Deep knowledge of Canadian AML/ATF legislation (PCMLTFA FINTRAC guidance) the RPAA the Code of Conduct for the Payment Card Industry in Canada consumer protection frameworks (FCAC PIPEDA CASL) and Canadian sanctions regimes (SEMA UN sanctions)
• Executive presence with experience preparing and presenting Board-level compliance reporting and engaging directly with regulators through examinations and ongoing supervision
• Direct end-to-end working knowledge of payment systems money services businesses - including payments-specific financial crime typologies and controls
• Hands-on day-to-day use of AI tools for regulatory analysis drafting and process automation - with sound judgment about their limits
• A builder mindset with proven leadership people management and stakeholder engagement capabilities in a fast-paced growth-oriented environment; CAMS ICA or equivalent certification
• Bonus points: knowledge of buy-now-pay-later compliance programs Quebec regulatory regime hands-on RPAA compliance OSFI guidelines the AUSTRAC / Australian AML/CTF regime or bilingual English/French

• Protecht (GRC / issue and risk management)
• AI tools (e.g. ChatGPT / OpenAI Enterprise / GitHub) for regulatory analysis drafting and process automation
• JIRA and Confluence (program and documentation management)
• Looker / Tableau (reporting and dashboards)

Were working to build a more inclusive economy where our customers have equal access to opportunity and we strive to live by these same values in building our workplace. Block is an equal opportunity employer evaluating all employees and job applicants without regard to identity or any legally protected class. We also consider qualified applicants with criminal histories for employment on our team and always assess candidates on an individualized basis.

We believe in being fair and are committed to an inclusive interview experience including providing reasonable accommodations throughout the recruitment process. If you require an accommodation let your recruiter know. Want to learn more about what were doing to build an inclusive workplace Check out our Inclusion & Diversity page.