The Role
About PayJoy
PayJoy is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and credit cards, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and provide safety acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.
This role
The Legal & Compliance Manager is responsible for ensuring PayJoy’s adherence to applicable laws, regulations and internal policies, ensure contractual corporate obligations are met and draft and revise contracts, oversee company’s intellectual property, support litigation, and meeting evolving legal and regulatory standards in financial regulatory compliance, licensing, and engagement with regulatory authorities.
Responsibilities
- Design, implement, and maintain Anti Money Laundering (AML) / Combating the Financing of Terrorism (CFT) frameworks aligned with local and global regulatory requirements (LFPORPI, UIF, FATF, BSA/Patriot Act, OFAC directives).
- Lead the full lifecycle of (Know your Business (KYC) / Know your client (KYB) processes including onboarding, re-identification, and remediation.
- Implement and manage AML transaction monitoring rules, risk ratings, and customer screening (real-time and periodic). Supervise CDD/EDD reviews and oversee case investigations, including suspicious activity reports (SARs).
- Ensure company’s products comply with local and international regulations. Work with Product and Engineering to design compliant but frictionless offerings. Monitor evolving regulatory changes affecting the business model.
- Conduct regulatory risk assessments and recommend mitigation strategies. Help align business operations with financial services regulatory requirements. Ensure compliance with consumer protection laws and market conduct rules.
- Draft, review, and negotiate a variety of agreements: vendor, partnership, customer-facing, NDAs, among others.
- Own and maintain the company’s IP portfolio in coordination with external counsel (trademarks, copyrights, confidentiality, etc.)
- Manage External Law Firms: Supervise and coordinate with external law firms providing support to PayJoy, ensuring compliance with regulations and company standards.
- Serve as the certified Compliance Officer and liaise with local and international regulators.
Requirements
- Bachelor’s degree in Law.
- More than 5 years of experience in legal departments of financial services or related, with compliance (AML/Data Protection) experience.
- In-depth knowledge of local financial regulations and global fintech regulatory trends.
- Strategic thinking and strong problem-solving skills; ability to navigate ambiguity and build structure.
- High proficiency in data analysis for operational performance and compliance trends.
- Strong interpersonal and executive communication skills.
- Certified Compliance Officer (Mandatory).
Benefits
- 100% Company Funded : Private Health Insurance for employee and immediate family
- 20 days vacation, unlimited sick leave
- Phone finance, Headphone, home office equipment and wellness perks.
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
- Phone Finance, headphone benefit, home office equipment allowance and wellness perks
PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.
PayJoy Principles
Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
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The Company
What We Do
PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile security technology gives customers the ability to afford their first smartphone on credit, using the phone itself as collateral, and then provides further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being. Founded in 2015, today PayJoy has reached millions of customers in a dozen countries around the globe, including Mexico, Brazil, Colombia, India, Kenya, and South Africa, and is on a strong growth path with support from major industry partners to bring credit to the next billion emerging consumers.
