Zepz

Role Description As the Deputy BSA/AML Officer for the USA, you will be a key leader in our 2nd Line of Defense, partnering directly with the US BSA Officer to scale, manage, and safeguard our US financial crimes compliance program. In a fast-paced, hyper-growth fintech environment, you will have significant ownership over program governance, transaction monitoring operations, state regulatory relationships, and banking partner due diligence. You are a pragmatic leader who understands how to balance strict regulatory adherence with operational efficiency and customer-centric outcomes. When the BSA Officer is away, you will step up and deputize for all US regulatory and operational matters. Qualifications - Several years of experience in financial services compliance, specifically within FinTech, Peer-to-Peer (P2P) payments, digital banking, or MSBs (Money Services Businesses). - Strong operational knowledge of AML/CFT regulations, KYC/KYB practices, transaction monitoring, and OFAC/Sanctions filtering. - Exceptional analytical and problem-solving skills with the ability to identify subtle patterns of risk or non-compliance within complex data sets. - Excellent written and verbal communication skills, with a proven ability to deliver objective, objective-driven feedback to diverse, cross-functional teams. - Proficient with specialised AML monitoring systems, case management tools. - CAMS (Certified Anti-Money Laundering Specialist) or CRCM (Certified Regulatory Compliance Manager) designations are highly regarded. Requirements - Act as the primary delegate for the US BSA Officer on all matters relating to FinCEN, state regulators, and banking partners. - Maintain and continuously enhance US-specific AML, BSA, and OFAC/Sanctions policies to ensure they stay robust against evolving financial crime typologies and regulatory updates. - Lead the execution of the annual US BSA/AML and OFAC risk assessment process, providing data-driven insights and control recommendations to senior leadership. - Provide strategic oversight for transaction monitoring, complex case investigations, Enhanced Due Diligence (EDD) for high-risk corridors, and the quality assurance (QA) framework for Suspicious Activity Reports (SARs). - Ensure the timely, accurate, and secure electronic filing of SARs and CTRs with FinCEN, as well as necessary OFAC reporting. - Partner with the Product, Engineering, and Data Analytics teams to design, test, and implement automated controls, risk-scoring matrices, and rules for transaction monitoring systems. - Lead preparations for and coordinate responses to state Money Transmitter License (MTL) examinations, federal audits, and third-party independent reviews. - Own the responses to ongoing banking partner due diligence requests from our US clearing and payout banking partners, showcasing Zepz's strong compliance framework to maintain healthy banking relationships. - Track and drive the remediation of audit findings, internal control gaps, and regulatory issues to prompt closure. Benefits - Unlimited annual leave. - Great healthcare benefits. - Employee discounts.

Role Description As a Senior Product Manager at Zepz, you will lead the strategy and execution for customer funding solutions across WorldRemit and Sendwave. Your primary goals will be to: - Minimize payment processing and acquiring costs. - Deliver the best funding experience for immigrants sending money internationally. - Launch new pay-in methods across multiple markets. - Drive the replatforming of legacy systems onto our target-state pay-in platform. You'll work closely with engineering, design, finance, compliance, and commercial teams — managing several parallel workstreams across a distributed, cross-functional organization. We move fast with high stability, so you'll need to be comfortable making progress with incomplete or imperfect information. Reporting to the Director of Product, Payments, you will: - Own and maintain the product roadmap for customer funding experiences across Sendwave and WorldRemit. - Identify, evaluate, and launch new pay-in methods across all Zepz send markets. - Take end-to-end ownership of pay-in performance, reliability, cost, and customer experience. - Lead the migration from legacy pay-in platforms to our target architecture. - Monitor market trends, competitor activity, and emerging payment technologies to inform product decisions. - Ensure compliance with international financial regulations and scheme requirements. - Use customer data and feedback to drive continuous improvement in conversion, reliability, and experience. Qualifications - Proven product management experience in fintech or payments, with in-depth knowledge of the global pay-in landscape: payment processing, acquirers, and PSPs. - A track record of shipping high-quality checkout or payment flows, with measurable impact on conversion, success rates, or cost. - Data-savviness coupled with an inquisitive and investigative nature. - Comfort working asynchronously in a remote team environment. - Clear communication skills. Requirements - A degree (or equivalent experience) in a quantitative or technical field such as statistics, economics, engineering, or computer science (bonus point). - Familiarity with regulatory requirements in international payments (bonus point). - Creativity, flexibility, and the ability to handle ambiguity gracefully (bonus point). - Experience using AI tools in your day-to-day workflow (bonus point). Benefits - Unlimited annual leave. - Great healthcare benefits. - Employee discounts. - Remote-first culture with flexibility to work in your employing country.

Role Description We are looking for an experienced HR professional to lead and manage the delivery of a diverse range of projects across Zepz. Reporting to the People Director, you will be responsible for planning, executing, and closing OKRs on time and within budget. - Own defined OKRs ensuring delivery of our strategic priorities (aka “big rocks”) across the year. - Focus on embedding our next gen commitments, our culture, our operating model, embedding our performance philosophy, and increasing our teams' understanding of our business. - Build strong relationships and networks across all functions, business leaders, and Exco. - Act with integrity and build trust as you contribute to the company’s direction and long-term decision making. What you will focus on: - OKR delivery: Scope, discovery, design, and execution of key results against assigned OKRs and timescales. - Stakeholder Management: Act as the primary point of contact for all communications related to your OKRs, ensuring alignment and buy-in from key stakeholders. - Led by data: Analyse and interpret relevant data, workforce metrics creating insights to identify future OKRs with a natural focus on continuous process improvement. - Process Improvement: Identify opportunities to improve existing People processes, design and implement more efficient solutions. - End-to-end OKR Ownership: Own the end-to-end delivery of your own projects (OKRs) by managing every aspect of the process yourself. - Change Management: Develop and execute change management plans to ensure that outcomes are adopted successfully by employees and managers. - Budget & Risk Management: Deliver OKRs within budget, effectively manage operational costs, track data, key performance indicators, and proactively identify and mitigate project risks. - Status updates: Maintain appropriate documentation, status reports, stakeholder maps, and post-project retros. - Employee Experience: Ensure the employee experience is the best it can be, both for employees, Zepz, and of course, for our users. Qualifications - Proven experience in a People Partner or People Project Management role, where you have personally delivered outcomes / OKRs. - Proven experience in a fast-paced consumer / tech business. - A solid understanding of core People functions, processes, and relevant legislation. - Strong proficiency in data analysis and visualisation tools (e.g., advanced Excel and Google Docs). - Exceptional communication and interpersonal skills, with the ability to influence and collaborate effectively with diverse teams. - Proactive, analytical, and skilled at identifying and resolving related issues. - Happy to roll up your sleeves and get into the details and more than happy with ambiguity and change. - Must be open to hybrid working. Benefits - Unlimited annual leave. - Great healthcare benefits. - Employee discounts. Company Description Our global team of 800+ people is spread across six continents. We aspire to hire the best mix of people from former Olympians to YouTube influencers and we speak over twenty languages. This incredible diversity isn't a bonus; it's the engine that lets us serve the world.

Role Description We are looking for a legal administration and legal operations paralegal to join our high performing Group Legal Team on a permanent basis. The role will be UK-based, but will support our global business. It is a highly visible role and so offers excellent exposure to a number of departments within the company as well as strong growth and development opportunities. As a Legal Administration and Operations Paralegal, you will: - Join our high-performing Group Legal team on a permanent basis. - Support our global business, making it a highly visible position. - Own a varied portfolio that spans governance, legal operations, and commercial support. This role sits at the heart of how the Legal function runs day to day: - Ownership of our company secretarial and governance machinery, from preparing Board packs to keeping our entity management portfolio in good order. - Sharpen our legal operations and provide dependable support across commercial contracts and data privacy. Qualifications - Company Secretarial & Governance Experience: Hands-on experience supporting company secretarial or governance activities, including preparing Board and committee packs, managing entity records, or running a company secretary day-to-day inbox. - Legal Operations & Technology: Experience developing and implementing workflows and process flows across various technology platforms. Familiarity with tools such as LawVu, Jira, and DocuSign is essential. - Contract & Commercial Support: Comfortable providing first and final reviews of commercial contracts and supporting negotiations, including software agreements and marketing services agreements, with appropriate supervision. - Sector Awareness: Recent experience working with businesses in the payments or financial services sector is desirable, though not essential. - Legal Foundation: Previous legal experience gained through study or work is essential. - Attention to Detail & Organisation: Strong attention to detail and strong organisational skills, with the ability to prioritise competing workstreams in line with the needs of the Legal team and wider business. - Communication & Collaboration: Strong interpersonal and communication skills, building good working relationships at all levels both internally and externally. Requirements - Support company secretarial activities, including preparing Board and committee packs and assisting in managing our entity portfolio. - Monitor and manage our shared company secretarial inbox, ensuring requests are triaged and actioned promptly. - Help maintain accurate corporate records and governance documentation across our group entities. - Lead on legal operations projects, including automation of processes, assignment of matters to our in-house lawyers, updates to existing technology platforms, and policy writing and implementation. - Deliver the migration of key data points and contracts into our contract management system. - Be the primary point of contact or escalation for all NDA requests. - Provide first and final reviews of commercial contracts and support on negotiations, with appropriate supervision. - Provide support on related administrative tasks such as raising purchase orders and budget management. - Support data privacy work, for example helping to automate data privacy impact assessments. - Perform ad-hoc tasks to support the overall legal function. Benefits - Unlimited annual leave. - Great healthcare benefits. - Employee discounts. - Remote-first culture allowing flexibility to work in your employing country.

Role Description As a Francophone & North Africa Regional P&L Owner, you carry the number for your region and are accountable for hitting it. You act as the commercial architect for your region; in conjunction with Marketing and BD, set the commercial agenda, mobilising every function around you, and removing roadblocks. - You are the primary commercial voice for your region, driving senior peer engagement with functional leaders and managing internal stakeholders to translate deep customer and market insights into strategy and execution. - This is a new function at Zepz, and you'll have a real hand in defining how it operates — building the playbook as you go, balancing customer needs with business reality. Qualifications - A proven track record of managing a P&L in a high-growth environment — fintech, payments, or adjacent preferred. - Data-literate and comfortable driving high-stakes conversations with Marketing, BD, and Insights - you translate data into clear decisions, not just observations. - You act more like a Country Manager than an analyst; you don't just coordinate—you drive results. Requirements - Explicit budget and full P&L accountability for the Francophone Africa region — accountable for revenue, CAC, new customers, unit economics, customer lifetime value, and other relevant trading metrics. - Defining monthly corridor targets and the investment envelope needed to achieve them. - Briefing Marketing on regional needs and supporting profitable growth. - Partner with Business Development as they build out strategies for new opportunities and mitigating risk. - Partnering with Data Insights to generate hypotheses, interpret performance, build and pivot strategies based on corridor analysis. - Building business cases for key initiatives and influencing cross-functional prioritisation through customer-centric, impact-driven frameworks. This includes building financial models. Bonus Points - Deep cultural or economic understanding of markets such as Senegal, Cameroon, Côte d’Ivoire, Morocco or other high-volume corridors. - A working proficiency level of French language. - Experience navigating the licensing or compliance landscape of international money transfers. - You’ve previously built the reporting frameworks or "operating rhythms" for a regional commercial team. AI Literacy & Tools - A genuine curiosity about AI and how it can be applied in your area of work — from accelerating analysis and insight generation, to improving how we design and deliver processes and communications. - Practical experience using AI tools in a professional context — whether to connect information, draft content, build frameworks, or create insights from data. - Strong AI literacy — an understanding of what AI assistants can and cannot do, how to prompt effectively, and how to critically evaluate AI-generated output before using it. - Awareness of the ethical considerations and responsible use of AI in the workplace, particularly in the context of sensitive data, customer experience, and compliance. - Prior experience using Claude (Anthropic) is a nice-to-have but not essential. Benefits - Unlimited annual leave. - Great healthcare benefits. - Employee discounts.

Role Description As a Senior Product Designer, you will be responsible for discovering opportunities for product excellence and differentiation across our products. With a deep empathy for the user, you'll work on creating experiences that help migrants send money home to their families. You'll collaborate with key stakeholders across the organization to determine strategy, roadmaps, and deliverables while maintaining much autonomy over your work. This role reports into the Head of UX and Design and is a member of our diverse Global Design Organization where we use our design and research skills to inspire and influence across the company. We believe different perspectives and backgrounds inside our team lead to innovation and inclusion in our product design. We advocate for meaningful and engaging experiences for our diverse global customers. We support each other, learn from challenges, and have fun along the way. What you will focus on - Product Strategy - Conceptualize and design mobile first - Work closely with product managers, engineers, and stakeholders to understand business objectives and translate them into effective design solutions - Create and iterate on solutions that are inspired by a deep empathy for our users - Identify key opportunities to meet our user and business needs and work collaboratively to prioritize feature ideas - Use research and data to inform and implement solutions - Define and track success metrics for design decisions, working with product and data to understand whether shipped experiences are actually working - Ideate on new product features and improvements - Effectively "sell" design solutions to partners through design storytelling - Work in close collaboration with Design Leadership to grow the team as well as inform and improve our design processes - UX Design - Create high-level user flows for complex products that capture happy paths and edge cases - Build the right level of fidelity for the moment, from quick sketches and rough flows through to high-fidelity prototypes, prioritizing speed to clarity over polish at every stage of the process - Use AI-assisted prototyping tools including Figma Make to accelerate ideation, produce working prototypes faster, and explore a broader range of solutions before committing to a direction - Understand business and technical needs and requirements - Work cross-functionally (in and outside of the design team) to create innovative features - UI Design - Design flows, features, and components that can be used across products - Create high-quality, well-crafted UI that is consistent, scalable, and built with the design system in mind - Contribute to our design system, ensuring consistency and scalability across multiple products and platforms - Work collaboratively with Engineering to ensure the finished product meets design specifications Qualifications - 4+ years of experience as a product designer, with a strong portfolio showcasing your design process and successful product launches with an emphasis on consumer-facing mobile and native experiences - Expert-level Figma skills including prototyping, Variables, Dev Mode, and AI-assisted features such as Figma Make - Hands-on experience using AI tools to accelerate your design workflow, not just awareness of them but actual practice - Ability to analyze and use data and research to inform decisions - Experience leading and launching end-to-end product features on consumer-facing products - Attention to detail and a high bar for craft - Excellent verbal and communication skills - Love to discuss design in group settings and participate in design critiques and reviews - Excellent analytical skills to break down and solve complex problems - The ability to explain your work, process, and decisions and seek feedback to help you produce your best work - Proven ability to collaborate cross-functionally - Design discovery (user research, competitive research) - A deep understanding of user-centered design principles and a passion for creating exceptional user experiences - Familiarity with financial services, regulated products, or similar industries is a strong plus - A BA/BS/Master's Degree in the field of user experience, research or related field is preferred but not required AI Literacy & Tools - A genuine curiosity about AI and how it can be applied in your area of work — from accelerating analysis and insight generation, to improving how we design and deliver processes and communications. - Practical experience using AI tools in a professional context — whether to connect information, draft content, build frameworks, or create insights from data. - Strong AI literacy — an understanding of what AI assistants can and cannot do, how to prompt effectively, and how to critically evaluate AI-generated output before using it. - Awareness of the ethical considerations and responsible use of AI in the workplace, particularly in the context of sensitive data, customer experience, and compliance. - Prior experience using Claude (Anthropic) is a nice-to-have but not essential. Benefits - Unlimited annual leave - Great healthcare benefits - Employee discounts - Remote-first culture with flexibility to work in your employing country

Role Description We are looking for a Senior Data Analytics Engineer to help us optimize our business strategy using the latest data techniques. This role is key to setting the roadmap for a highly efficient and scalable data function that will grow with the ambitious plans for the business. Reporting to Product, you will collaborate with Product, Engineering, Data Science, and the wider organization. You will build and maintain new data models, optimize existing ones, and work with a wide variety of technologies and datasets to drive real insight and recommendations. You'll be a driving force in identifying trends, quantifying opportunities, and setting the requirements to develop data-driven solutions that have a direct impact on the business. Our current Data Platform tech stack includes: - Data Lakehouse: Databricks - Cloud & Infrastructure: AWS (S3, Lambda), Kubernetes - Data Processing: Python is our primary language - Orchestration & Transformation: dbt, Fivetran, and Airflow - Visualization: Mode and similar BI tools - Data monitoring and alerting: Metaplane What You'll Do - Data Modeling & Pipelines: Build and maintain scalable and reliable data models to expose high-quality data for analysis and reporting. Where needed, deliver dashboards to drive more self-service on data among teams. - Stakeholder Collaboration: Work closely with analysts and business stakeholders to understand commercial requirements, translating them into technical solutions that enable reliable self-serve data for decision-making. - Strategic Analysis: Work in a collaborative, cross-functional way to identify and quantify opportunities, enabling data-driven business decisions and identifying opportunities for improvement through analysis, A/B testing, and tracking, with a strong emphasis on extracting actionable, in-depth business insights. - Data Governance & Quality: Ensure all data and output is of high quality — tested, automated, scalable, and well-documented. You will develop standards and best practices for data consumption and educate data consumers. - Champion Data Culture: Champion the use of data to optimize business performance and bring fresh analytical ideas to the table. - Communication & Presentation: Present results and complex concepts back to the business in a structured, data-driven manner, simplifying them for non-technical audiences. - Process Improvement: Identify opportunities to reduce complexity and increase efficiency across our data models and data warehouse infrastructure. - Data Cleansing & Transformation: Develop and implement robust data cleansing, validation, and transformation processes to ensure the accuracy, consistency, and reliability of data across all sources. - Insight Storytelling: Translate complex analytical findings into clear, compelling narratives and visualizations for both technical and non-technical audiences, influencing strategic decision-making. Qualifications - Highly proficient with daily use of SQL and hands-on experience in a modern cloud data warehouse/lakehouse environment (e.g., Databricks, BigQuery, Redshift, Snowflake). - Comfortable automating processes and developing production-standard Python scripts to extract data, perform analysis, and build pipelines. - Ability to work confidently with the tools of modern software engineering, such as the command line, version control (Git), testing, and performing code reviews. - Problem-solving approach that gets to the underlying business questions, using a variety of data sources and information to find the answer. - Strategic partner who wants to understand the business problem and can clearly communicate the commercial impact of technical solutions. - Advocate for data-driven decision-making who strives to improve processes, establish best practices, and define standards. - Passionate about learning, able to quickly adopt new business concepts and technologies, and an independent, curious person who likes to take initiative. - Open mind with respect to diversity and inclusivity. Bonus Points - Familiarity with dbt to design and implement data models. - Experience with data orchestration tools. - AML Transaction Monitoring definition, calibration, testing and documentation. Experience with regulatory testing regimes such as DFS rule 504 a plus. - Customer risk rating definition, calibration, testing and documentation. Benefits - Unlimited annual leave - Great healthcare benefits - Employee discounts

Role Description As a Treasury Operations Analyst, you will join our Group Treasury team within the Finance department to support the rapid growth of our global network. This role is pivotal in managing the transaction lifecycle across EMEA, APAC, and LATAM. You will be responsible for the daily management of FX settlements and payments, acting as a key link between internal teams (FX, Funding, and Cash Management) and external partners (banks, correspondent partners, and liquidity providers). In this role, you will embrace challenges and act with integrity, ensuring our global liquidity moves efficiently while maintaining the highest standards of trust and accuracy. Qualifications - Bachelor’s degree in Finance, Accounting, or a related field; CA/ACCA/ Any professional qualification is an advantage. - 3–6 years of experience in a treasury back-office or operations role. - Detail-oriented professional who thrives in a fast-paced, evolving environment. - Strong working knowledge of Microsoft Excel and Google Sheets, in addition to experience with banking portals. - A solid understanding in FX trade settlement cycle and domestic/international payment processes and regulatory reporting. - Familiarity with treasury management systems (“TMS”); experience with Kyriba is preferred. - Recording and capturing payments together with monitoring daily cash positions. - Excellent verbal and written communication skills for effective stakeholder management. - An analytical and logical approach to problem-solving, with the ability to prioritize tasks and meet tight deadlines. Requirements - Strong analytical and numerical skills. - High attention to detail and accuracy. - Proficiency in Excel and financial reporting tools. Daily Key Responsibilities - Your core mission is to ensure the seamless execution and monitoring of global financial movements. - Input and monitor outgoing payments and transfers within various banking portals and our TMS (Kyriba), ensuring all requests are authorized and meet daily cut-off times. - Manage the full FX trade lifecycle, monitoring incoming/outgoing settlements with liquidity providers and providing Proof of Payments (POPs) to partners. - Maintain day-to-day relationships with external banks and correspondent partners, serving as the first point of contact for ad hoc queries and issue resolution. - Maintain payment templates and system access controls while assisting in the development of departmental policies and procedures. AI Literacy & Tools - A genuine curiosity about AI and how it can be applied in your area of work. - Practical experience using AI tools in a professional context. - Strong AI literacy — an understanding of what AI assistants can and cannot do. - Awareness of the ethical considerations and responsible use of AI in the workplace. - Prior experience using Claude (Anthropic) is a nice-to-have but not essential. Benefits - Unlimited annual leave. - Great healthcare benefits. - Employee discounts.

Role Description Your ultimate mission is to deliver a best-in-class payments experience for our users by owning the end-to-end strategy, expansion, and platform capabilities. As the passionate advocate for our customers, you will own the product vision and strategy for our global Payout network across both Sendwave and WorldRemit. You will report to the Director of Product, Payments. - Defining the CX North Star: Developing a deep understanding of our users through research and data, and using those insights to define and execute a roadmap that removes friction and builds trust. - Launching New Capabilities: Leading the rollout of new payment methods and features in our global markets, including traditional and emerging payment technologies like stablecoin, ensuring every launch enhances the user journey. - Driving Growth & Compliance: Collaborating with your cross-functional partners in Engineering, Design, Compliance and Legal to enhance our product offerings and drive growth, while maintaining the highest standards of regulatory compliance. Qualifications - 5+ years of experience in Product Management, specifically within fintech or payments, with a proven track record of shipping impactful products in fast-paced environments. - You have a proven track record of putting users first. You think in terms of user journeys, not just feature backlogs, and have experience with both qualitative and quantitative user research. - You are highly data-savvy and comfortable using tools from SQL to user analytics to uncover opportunities and validate your hypotheses. - You build strong relationships and can clearly articulate a vision and strategy to stakeholders at all levels, from a detailed engineering story to an executive brief. - You have a history of shipping impactful products in a fast-paced environment and are comfortable making thoughtful tradeoffs with incomplete or imperfect information. - You are comfortable working in a remote team environment. The broader Payments team and Zepz team spans a multitude of time zones, and we are not all online together at the same time. Requirements - Product management experience in a complex domain like fintech or payments and can navigate its unique challenges. - Experience working for a crypto company with a solid understanding of the crypto ecosystem, including stablecoins and blockchain technology. - Familiarity with the specific regulatory requirements in international payments. - A personal connection to or deep familiarity with any of the immigrant communities we serve. Benefits - Unlimited annual leave. - Great healthcare benefits. - Employee discounts.

Role Description At Zepz, our engineers are passionate about delivering a solid customer experience and are eager to contribute to the product, regardless of their tech stack. We are seeking engaged and customer-focused engineers who are committed to writing quality code and dedicated to their contributions at Zepz. We value individuals who are adaptable to a wide range of problems and challenges and can collaborate across teams to drive improvements. As a Mobile Engineer, you will work within cross-functional feature teams, part of broader engineering domains. Uniquely, you will bridge the gap between our native Android/iOS architectures. You will have the autonomy to provide insights to the team and help shape how these technologies coexist. You’ll be committing, reviewing, and shipping new code from your very first week! Qualifications - Experience building mobile applications with proficiency in Kotlin (Android) and Swift (iOS). - Strong understanding of declarative UI patterns, specifically SwiftUI for iOS and Jetpack Compose for Android. - Practical experience developing and maintaining mobile applications using the React Native framework. - Understanding of Apple’s Design Principles and Human Interface Guidelines, alongside modern Android architectural patterns like MVVM. Requirements - Proficiency in Swift/SwiftUI and Kotlin. - Experience with Core Data, Core Animation, and performance tuning using tools like Instruments. - Familiarity with RESTful APIs, offline storage, threading, and cloud messaging/push notifications. - Proficiency with Git and familiarity with CI/CD pipelines for mobile deployment. - A knack for benchmarking, memory tuning, and performance optimization across platforms. Benefits - Unlimited annual leave. - Great healthcare benefits. - Employee discounts. - Remote-first culture with flexibility to work in your employing country.