Compliance Analyst

Compliance Analyst

Bengaluru

4-8

Full time

About xPay

xPay is a Y Combinator-backed international payments company building an international payment gateway focused on cross-border payments—making it dramatically easier for businesses to move money across borders. Our customers are B2B SaaS companies that need fast, reliable and cost-effective payment infrastructure to serve global users.

These businesses are increasingly moving their international volumes from billion-dollar companies to xPay as we expand our footprint across 180+ countries and support 25+ currencies. Since January 2025, we have grown 73× and now process over 1 million transactions every month.

Cross-border payments is a $200 trillion market. Our top customers include publicly listed, Series D and Series E companies across sectors such as EdTech and travel, processing millions through us every month.

The Role

As a Compliance Analyst, you’ll play a hands-on role in building and managing xPay’s compliance processes as we scale. You’ll work closely with Legal, Risk, Operations, Product and Engineering to strengthen merchant onboarding and regulatory compliance.

This is a high-ownership role for someone who can look beyond checklists, understand how a business operates and turn compliance requirements into practical processes. You’ll have the opportunity to build policies, controls and workflows from the ground up.

What You’ll Do

  • Build and implement compliance policies, SOPs, risk assessment frameworks and internal controls aligned with xPay’s business model and payment flows.

  • Own merchant onboarding compliance and due diligence, including KYC/KYB, beneficial ownership checks, CDD, EDD, PEP, sanctions and adverse-media screening.

  • Maintain AML/CFT and ongoing compliance monitoring processes, support applicable regulatory reporting and ensure compliance activities are documented.

  • Work with Legal and other internal teams, banking partners and auditors to strengthen compliance controls, improve tools and dashboards, and support regulatory and audit requirements.

What We’re Looking For

  • 4–7 years of hands-on compliance experience in payments, fintech, e-commerce, banking or cross-border payments, with direct ownership of merchant onboarding compliance and ongoing reviews.

  • Strong working knowledge of AML/CFT, KYC/KYB, beneficial ownership, due diligence, sanctions screening and suspicious activity reporting.

  • Experience building or implementing compliance policies, SOPs and operational controls, with working knowledge of applicable RBI regulations, FEMA, PMLA and FIU-IND requirements.

  • Understanding of FATF recommendations and standards, OFAC sanctions and other major sanctions frameworks.

  • Comfort working independently in an early-stage environment; experience in cross-border payments, merchant acquiring or payment aggregators, and certifications such as CAMS, ICA or CFE, are a plus.

Why xPay?

  • Help build and shape the compliance function from the ground up.

  • Work closely with founders and cross-functional teams on decisions that have a direct impact on the business.

  • Solve complex compliance challenges in cross-border payments.

  • Join a fast-growing fintech backed by Y Combinator.