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AML Specialist

At;xpate;we're a small, agile team dedicated to simplifying and enhancing the way merchants and consumers connect globally. We are a payment platform that enables companies to accelerate their growth. As a startup, every member of our team plays a critical role in shaping our journey and success. We are entering a new phase and are looking for an;AML Specialist.Key responsibilitiesImprove the customer experience, directly or indirectly;Help to develop and improve AML/CTF processes across xpate group;Work with the regulatory requirements of multiple geographies, especially Europe and Asia;Help in maintaining internal AML policies and procedures;Perform customer onboarding (due diligence document collection and verification, customer screening, EDD checks) and ongoing monitoring;Work in an international team in a highly dynamic environment;Show creativity and ownership of your area of responsibility.Qualifications:Have 2+ years of full-time experience in AML operations in finance (preferably electronic money or payment services);Have a solid understanding of AML regulatory requirements in the UK or the EU; preferably with experience across multiple jurisdictions;Possess the skill of "translating" regulatory requirements into efficient business processes, including experience with business process implementation and fine-tuning;Display proactivity, aiming for the success of the product from regulatory, as well as business perspective;Have excellent analytical skills and ability to plan ahead;Be self-organized and structured, including an ability to meet deadlines;Have English;language proficiency.What's in it for you:Flexible working hours and remote;work model;A dynamic, ambitious work environment that values innovation, performance, and quality;Competitive monthly;compensation package (depending on your experience and competences);Feeling valued at work;Supportive and caring leadership;Stack of work equipment from Apple as our hardware of choice;Extra 3 paid days off per quarter for personal time & sick days to boost productivity;Birthday off. You can take this day off on your birthday (of course) or on any other day on your birthday month;Private health insurance and mandatory health check paid by company;Corporate events and fun activities.We've got more benefits in the pipeline, as we are just beginning.You will get a high degree of collaboration and autonomy while working with a group of peers who have getting things done attitude. If you want to get a feeling of being valued at work and opportunity to leave a footprint on an exciting fintech product that brings value to its customers, feel free to join xpate team! ;

Remote
Sales Manager

Key Responsibilities:Identify and Engage Promising Merchants:;Scout and engage with potential merchants across various verticals, building a robust pipeline.Drive Sales of Cross-Border Payment Solutions:;Utilize outbound sales techniques to promote and sell our innovative cross-border payment solutions and services to eCommerce merchants.Serve as a Product Expert and Consultant:;Assist new merchants in addressing detailed queries about our product capabilities, and providing expert consultation.Craft Persuasive Presentations and Proposals:;Develop comprehensive presentations and proposals tailored to the specific needs of prospective merchants.Collaborate and Share Insights:;Work closely with other members of the team to exchange best practices, and valuable business insights, and stay updated on industry trends.Provide Actionable Feedback:;Offer valuable insights on local trends, competitor analysis, customer requirements, and relevant sales, product, and marketing information.Qualifications:Sales Experience:;Minimum of 3 years in Sales, with at least 1 year of experience in the payments industry.Proven Negotiation Skills:;Demonstrated ability to negotiate complex deals and drive net new business.Adaptability and Clarity:;Ability to navigate complexity, bringing clarity to ambiguous situations.Self-motivated and Organized:;Highly organized and self-motivated, with excellent time management skills.Effective Communication:;Outstanding communication skills, with a demonstrated ability to empathize and understand client needs.Creative Problem Solver:;Creative thinker with strong problem-solving abilities.Passion for Technology:;Intellectually curious with a genuine passion for technology.Commercial Acumen:;Strong commercial acumen and negotiation skills essential for success in this role.What's in it for you:A dynamic, ambitious work environment that values innovation, performance, and quality;Feeling of being valued at work;Competitive compensation package starting from 3000 eur gross (depending on your experience and competences);Supportive and caring leadership;Stack of work equipment from Apple as our hardware of choice;Extra 3 paid days off per quarter for personal time & sick days to boost productivity;Birthday off. You can take this day off on your birthday (of course) or on any other day on your birthday month;Modern, fully equipped office in the Riga city centre - In house canteen, chill area, drink, snack bar and our own barista for refreshing breaks at work;Private health insurance and mandatory health check paid by company;Flexible working hours and hybrid work model;Corporate events and fun activities.We;ve got more benefits in the pipeline as we are just beginning.You will get a high degree of collaboration and autonomy while working with a group of peers who have a getting things done attitude. If you want get a feeling of being valued at work and opportunity to leave a footprint on an exciting fintech product that brings value to its customers, feel free to join xpate team!;;;

Riga
Sales Manager

Key Responsibilities:Identify and Engage Promising Merchants:;Scout and engage with potential merchants across various verticals, building a robust pipeline.Drive Sales of Cross-Border Payment Solutions:;Utilize outbound sales techniques to promote and sell our innovative cross-border payment solutions and services to eCommerce merchants.Serve as a Product Expert and Consultant:;Assist new merchants in addressing detailed queries about our product capabilities, and providing expert consultation.Craft Persuasive Presentations and Proposals:;Develop comprehensive presentations and proposals tailored to the specific needs of prospective merchants.Collaborate and Share Insights:;Work closely with other members of the team to exchange best practices, and valuable business insights, and stay updated on industry trends.Provide Actionable Feedback:;Offer valuable insights on local trends, competitor analysis, customer requirements, and relevant sales, product, and marketing information.Qualifications:Sales Experience:;Minimum of 3 years in Sales, with at least 1 year of experience in the payments industry.Proven Negotiation Skills:;Demonstrated ability to negotiate complex deals and drive net new business.Adaptability and Clarity:;Ability to navigate complexity, bringing clarity to ambiguous situations.Self-motivated and Organized:;Highly organized and self-motivated, with excellent time management skills.Effective Communication:;Outstanding communication skills, with a demonstrated ability to empathize and understand client needs.Creative Problem Solver:;Creative thinker with strong problem-solving abilities.Passion for Technology:;Intellectually curious with a genuine passion for technology.Commercial Acumen:;Strong commercial acumen and negotiation skills essential for success in this role.What's in it for you:A dynamic, ambitious work environment that values innovation, performance, and quality;Feeling of being valued at work;Competitive compensation package starting from 3000 eur gross (depending on your experience and competences);Supportive and caring leadership;Stack of work equipment from Apple as our hardware of choice;Extra 3 paid days off per quarter for personal time & sick days to boost productivity;Birthday off. You can take this day off on your birthday (of course) or on any other day on your birthday month;Modern, fully equipped office in the Riga city centre - In house canteen, chill area, drink, snack bar and our own barista for refreshing breaks at work;Private health insurance and mandatory health check paid by company;Flexible working hours and hybrid work model;Corporate events and fun activities.We;ve got more benefits in the pipeline as we are just beginning.You will get a high degree of collaboration and autonomy while working with a group of peers who have a getting things done attitude. If you want get a feeling of being valued at work and opportunity to leave a footprint on an exciting fintech product that brings value to its customers, feel free to join xpate team!;;;

Riga
Compliance Manager

xpate is looking for a new team member to work ;on site in our Riga;office - Compliance Manager.This role involves regulatory compliance in financial services and focuses on the business's implementation of legislation that regulates an Electronic Money Institution in the United Kingdom, Latvia and Singapore. xpate Compliance Manager ensures that the business meets its regulatory obligations across the applicable laws and manages its compliance risk effectively. Role reports to Chief Compliance officer.Key responsibilities:Ensure regulatory compliance control in accordance with the legislation applicable to xpate licensed entities in the United Kingdom, Latvia and Singapore (together - xpate);Regularly inform management about regulatory compliance risk, including by preparing semi-annual/annual compliance reports;Monitor compliance of the processes of xpate's structural units with legislation and compliance guidelines, identify improvements and coordinate their implementation;Develop and maintain internal compliance-related documentation that ensures sound and compliant governance processes in xpate entities on a day to day basis;Prepare for and participate as needed in internal and external audits of xpate entitiesMonitor and support xpate's communication with and reporting to financial regulators and other external partiesRegularly develop, revise and renew compliance policies and procedures of xpate entities;Cooperate closely with other business functions to ensure compliant internal processes across xpate, including compliant policies, procedures and related documentation of other business functions;Advise employees on compliance topics;Lead the annual compliance risk assessment process and develop annual compliance work plans;Participate and provide advice in business projects and initiatives, identify and eliminate possible compliance risks;Conduct compliance research on potential new business vectors as they arise;Identify opportunities for process improvements, ensuring compliance with standards, policies and procedures;Provide support for the development of xpate's short-term and long-term operational plans;Follow up on updates in compliance laws, regulations and standards and implement the necessary changes foreseen in them in the Operational Compliance Risk Management Policy and other related internal regulatory documents of xpate;Qualifications:;At least 2-3 years of experience in a similar role in the financial services industry, preferably in Latvia, elsewhere in the EU, or United Kingdom;Experience communicating with regulatory bodies and auditors;Good understanding of maintaining effective relationships with financial regulators;Have good reputation;Knowledge of regulatory requirements to a financial services business including laws around financial services provision, reporting to regulators, internal corporate documentation principles;Being ready to suggest to the management how to deal with changes in regulatory compliance legislation and the latest compliance risk trends as well to review and anticipate changes and news in regulatory legislation and formulate how they affect xpate's operating processes;Strong analytical skills with the ability to make sound judgments;Excellent communication and interpersonal skills with the ability to build strong relationships with internal and external stakeholders;Attention to details and the ability to maintain accurate and up-to-date records;Have a professional working proficiency in Latvian and EnglishWhat;s in it for you:Feeling of being valued at work;A dynamic, ambitious work environment that values innovation, performance and quality;Competitive monthly gross compensation package starting from 3300 our;(depending on your experience and competences);Supportive and caring leadership;Stack of work equipment from Apple as our hardware of choice;Extra 3 paid days off per quarter for personal time & sick days to boost productivity;Birthday off. You can take this day off on your birthday (of course) or on any other day on your birthday month;Modern, fully equipped office in the Riga city centre - In house canteen, chill area, drink, snack bar and our own barista for refreshing breaks at work;Private health insurance and mandatory health check paid by company;Flexible working hours and hybrid work model;Corporate events and fun activitiesWe;ve got more benefits in the pipeline as we are just beginning.You will get a high degree of collaboration and autonomy while working with a group of peers who have a getting things done attitude. If you want get a feeling of being valued at work and opportunity to leave a footprint on an exciting fintech product that brings value to its customers, feel free to join xpate team! ;;

Riga
Head of Growth

At xpate, we're pioneering the transformation of cross-border payment processes through our innovative platform. As we push forward and disrupt the market, we're looking for a Head of Growth to lead our strategic expansion efforts.This role presents an opportunity to significantly impact a leading fintech company at the cutting edge of payment solutions.Role Summary:The Head of Growth is a key senior role reporting directly to the CEO and Founder. The position is critical for driving growth KPIs, attracting new customers, and establishing strategic partnerships to meet growth objectives. The ideal candidate will possess extensive experience in the B2B sector, particularly within merchant and banking services of different risk levels, demonstrating the ability to cultivate relationships, understand complex ecosystems, and drive significant growth.Key Responsibilities:;Develop and execute a comprehensive growth strategy aligned with xpate's mission and financial goals.Oversee growth KPIs, continually monitoring and adjusting strategies to achieve and exceed targets.Design and implement sales strategies to attract new customers from the merchant and banking sectors.Initiate and sustain strategic partnerships to enhance xpate's offerings and market presence.Collaborate closely with the Founder and CEO to refine growth strategies, ensuring they remain responsive to market changes and company objectives.Work with the Product and Technology teams to ensure our solutions meet and surpass market expectations, addressing the needs of our target audience effectively.Lead and develop the growth team, promoting a culture of excellence, innovation, and continuous improvement.Qualifications:;A minimum of 4-5 years experience in sales roles within the B2B sector, focusing on merchant services and banking.A proven track record in devising and implementing successful growth strategies in fintech or related fields.Demonstrated ability to achieve growth KPIs, especially in customer acquisition and establishing strategic partnerships.Strong analytical skills, capable of translating data into actionable growth initiatives.Excellent communication and negotiation skills, adept at interacting with C-level executives, partners, and stakeholders.Comprehensive understanding of the fintech ecosystem, payment solutions, and the regulatory environment.What We Offer:;A leadership position within an innovative, fast-paced fintech company revolutionising cross-border payments.Direct collaboration with the CEO and Founder, with a significant role in shaping the strategic direction and success of xpate.A dynamic, ambitious work environment that values innovation, performance, and quality.Competitive compensation package, including equity options, reflecting the role's crucial contribution to xpate's growth.Feeling of being valued at work;Supportive and caring leadership;Stack of work equipment from Apple as our hardware of choice;Extra 3 paid days off per quarter for personal time & sick days to boost productivity;Birthday off. You can take this day off on your birthday (of course) or on any other day on your birthday month;Flexible working hours;Corporate events and fun activitiesYou will get a high degree of collaboration and autonomy while working with a group of peers who have a getting things done attitude. If you want get a feeling of being valued at work and opportunity to leave a footprint on an exciting fintech product that brings value to its customers, feel free to join xpate team!;

London
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