Compliance Officer - Colombia

About ARQ

ARQ is one of the fastest-growing fintechs in the world. Our mission is to redefine how people interact with money across borders, building the infrastructure to move value seamlessly. We’re still early in our journey, which means every person who joins shapes the future of our product, culture, and growth. If you’re excited by big challenges, global impact, and the chance to grow fast with a world-class team, ARQ is the place to do it.

The Role

As our Compliance Officer, you’ll own the local compliance program in Colombia, ensuring adherence to both local and international standards. You’ll monitor regulatory changes, manage investigations, and act as the key liaison with regulators, auditors, and banking partners.

This is a hands-on role: you’ll lead KYC/AML investigations, oversee suspicious activity reporting, and collaborate with risk, operations, and product teams to embed compliance into everyday processes.

What You’ll Do

1. Investigations: Review KYC alerts, biometric mismatches, and potential fraud using official databases (Registraduría Nacional, DIAN) and KYC tools (Jumio, Persona).

2. Regulatory Reporting: Prepare and submit ROS and other filings via SIREL to UIAF; ensure timely responses to UIAF, SFC, DIAN, and law enforcement requests.

3. Transaction Monitoring: Assess suspicious transactions, monitor PEP/sanctions/adverse media alerts, and escalate risks appropriately.

4. Process Improvement: Enhance and optimize monitoring and reporting controls to detect and mitigate emerging threats.

5. Compliance Culture: Work with internal teams to strengthen AML/CFT controls and ensure regulatory requirements are fully integrated into operations.

6. Stakeholder Management: Serve as the main point of contact with regulators, auditors, and banking partners, ensuring clarity and transparency.

Must-Haves:

• Fluency in Spanish & English.

• Proven experience with UIAF regulatory reporting (ROS, SIREL).

• Strong knowledge of AML/CFT frameworks (SAGRILAFT, SIPLAFT, FATF standards).

• Experience in audits, inspections, and risk assessments with regulators.

• Expertise in KYC controls (IDs, biometrics, sanctions, adverse media).

• Confidence engaging with regulators and external authorities.

• Hands-on, detail-oriented, and proactive mindset.

Nice-to-Haves:

• AML/compliance certifications (e.g., CAMS, ICA).

• Regional LATAM compliance experience.

• Knowledge of fintech, payments, and digital assets regulations.

• Experience building or scaling compliance programs.

Benefits

• Competitive salary and benefits

• Stock options, so you own part of what you build

• Discretionary performance bonus

• The latest tools and technology

• A world-class team that will challenge and grow your skills

• The opportunity to help build the best fintech app in Latin America

• Office Policy: 3-4 days a week in-office