Anti-Money Laundering (AML) Lead

Midnite is a next-generation sports betting and gaming platform. As Midnite builds in Ontario, this role ensures growth is clean growth by running day-to-day anti-money laundering and anti-terrorist financing (AML/ATF) for the Ontario casino, spotting and investigating suspicious activity, reporting it properly, and building controls to reduce future risk. The role is hands-on, covering monitoring rules, alerts, reports and investigations, and aligns the program with the PCMLTFA, FINTRAC guidance, the AGCO Standards and iGaming Ontario's AML requirements.

Responsibilities

Build and own the AML/ATF program, policies and procedures for Ontario, keeping them aligned with federal and provincial rules; Lead AML/ATF readiness for the Ontario launch, implementing and testing monitoring, screening and reporting controls before go-live; Lead the ML/TF risk assessment and keep it current as new products, markets and payment methods launch; Run day-to-day transaction monitoring, setting rules, tuning alerts and reviewing activity across deposits, withdrawals, betting and gaming; Investigate unusual behaviour such as structuring, minimal-play cash-outs, collusion, third-party funding and mule accounts, and make decisions on escalated cases; Manage customer risk, enhanced due diligence and source of funds/wealth reviews, and resolve or escalate sanctions, PEP and HIO screening matches; Prepare and submit AML reports, including Suspicious Transaction Reports and Casino Disbursement Reports, accurately and on time; Own AML deliverables to iGO and the AGCO, and lead audits, effectiveness reviews and regulator examinations through to remediation; Design and deliver AML/ATF training, turn AML data into metrics for senior leadership, and act as the go-to AML expert across the business

Requirements

5+ years in AML/ATF compliance, ideally in online gambling, payments, fintech or banking, including time leading investigations, people or a program; Know the PCMLTFA and FINTRAC guidance well; Understand how Ontario igaming works, including the AGCO Standards and iGO's AML requirements; Hands-on experience with transaction monitoring, case management and screening tools; Comfortable working cases and shaping strategy; Sharp investigative judgement and clear writing; Supported audits or regulatory examinations and know how to drive remediation; Pragmatic, able to find controls that manage risk while keeping the player experience enjoyable

Nice to have

CAMS, ICA or an equivalent AML certification; SQL or BI tools

Benefits

24 days off, with applicable Ontario public holidays counted separately; 3% RRSP match from day one; Full health benefits including dental, vision, life insurance, income protection and an EAP, from day one; Benefits expected to improve as the company scales in Canada