Responsabilidades
- Serve as the designated Oficial de Cumplimiento before the UAF, acting as the primary point of contact for regulatory engagement, inspections, and reporting.
- Build out and continuously strengthen local compliance operations, establishing an effective compliance framework aligned with Taptap Send Group’s standards.
- Ensure compliance with all applicable Chilean laws and regulations, including Ley N° 19.913 (as amended by Ley N° 20.818), UAF Circular N° 62 (Instrucciones de Carácter General for sujetos obligados), Banco Central de Chile’s Compendio de Normas de Cambios Internacionales, and Ley N° 21.234 (Ley de Fraudes).
- Manage and coordinate regulatory reporting to the UAF, including Reportes de Operaciones Sospechosas (ROS) and Reportes de Operaciones en Efectivo (ROE), ensuring timely and accurate submissions and proactive communication of material changes.
- Develop, maintain, and update policies and procedures — including the Manual de Prevención de Lavado de Activos y Financiamiento del Terrorismo (LA/FT) — tailored to Chilean operations.
- Conduct compliance testing and monitoring, ensuring prompt remediation of identified issues.
- Prepare internal compliance reports for management and the board.
- Report suspicious transactions to the Unidad de Análisis Financiero (UAF), in accordance with legal requirements.
- Oversee CDD/KYC/EDD on new customers, partners, and products, including PEP screening per UAF Circular N° 62.
- Collaborate with Group Compliance and internal audit teams to strengthen controls and ensure consistency with global standards.
Requisitos
- Strong understanding of Chilean AML/CFT regulations, including Ley N° 19.913, Ley N° 20.818, and UAF Circular N° 62.
- 5+ years of experience in compliance within a fintech, remittance company, or other entity regulated by the UAF and/or CMF.
- Experience managing regulatory relationships, ideally with direct experience engaging the UAF or Banco Central de Chile.
- Experience with compliance technology tools (e.g. transaction monitoring, sanctions screening, KYC platforms, etc.).
- A proactive, solution-oriented mindset and the ability to build and strengthen processes from the ground up.
- Excellent communication skills and stakeholder management experience.
Deseable
- Knowledge of cross-border payments is a strong plus.
- ACAMS, ICA, or equivalent qualification preferred.
Modalidad
On-site — Santiago, Chile
Información adicional
- The role is based in Santiago, Chile, so you must either be currently based there, or willing to relocate.
- Taptap Values: Impact first Team next Accept reality Propose solutions Win with grit Be proactively candid, with yourself and others Love the particular Own it Create positive energy Maybe, even have fun
- Taptap Send is an equal opportunity employer dedicated to building an inclusive and diverse workforce. All employment decisions are decided on the basis of qualifications, experience and business need. We strongly encourage applications who are members of underrepresented communities to apply. If you require reasonable adjustments to be made during the recruitment process, please do not hesitate to let us know. Any information you provide us in this respect will only be used to accommodate your requirements.
- Note: we recognize imposter syndrome is real - any candidate that does not perfectly fit every characteristic of this role is still strongly encouraged to apply.
