Who we are (Company introduction)
Pemo empowers MENA business owners and their teams with an all-in-one spend management platform, allowing them to effortlessly control finances and focus on running their businesses.
With Pemo, company spending becomes easy, fast and transparent. Teams can spend smarter and autonomously. Business owners can run more efficient workplaces and keep control of their finances. Pemo gives superpowers to businesses so they can be bold and fast.
At Pemo, we ...
→ nurture a friendly, safe, and fun environment
→ foster a strong sense of collaboration
→ trust each other and are positive challengers
→ encourage everyone to make courageous decisions
→ are no-ego doers
→ shoot for the moon and work backwards!
Who we are looking for
- You have an open mindset that always looks for the positive. Your customers and colleagues find your energy contagious.
- You truly enjoy helping others move and improve.
- You love goals and objectives. You don’t always need to be given tasks, you create your own tasks while chasing your targets, and it motivates you to reach them.
- You are a trustworthy person who always ensures that deadlines are reached, promises are kept, and you do what is expected of you.
- You are the person who always wants to improve - everything. It can always be optimized, and done just a little bit better - every time.
- You love to see all the possibilities there are for our customers, and our colleagues alike, in the future. You love thinking about the future – and making it a reality.
Position Overview
As a Compliance Associate at Pemo, you will ensure that our operations remain compliant with applicable financial, legal, and regulatory frameworks across our key markets (UAE and KSA). You will be responsible for monitoring regulatory changes, advising on compliance requirements, conducting risk assessments, and implementing effective policies, processes, and controls. You will play a crucial role in protecting Pemo’s reputation while enabling sustainable growth.
What you’ll be doing
KYB Onboarding Compliance
- Reviewing onboarding applications and company documents to ensure accuracy, completeness, and compliance with regulatory requirements.
- Analyzing supporting documents such as trade licenses, MOAs, shareholder details, and IDs to verify alignment with Pemo’s policies and our financial partner’s standards.
- Identifying red flags, inconsistencies, or missing information in submitted cases and escalating when needed.
- Collaborating closely with the compliance, operations, sales, and customer support teams to ensure smooth and timely case approvals.
- Maintaining accurate records of case reviews and decisions to support audits and reporting.
- Staying up to date with local and international regulations, internal policies, and best practices to ensure all onboarding decisions are compliant and consistent.
Ongoing monitoring / Financial Crime Compliance
- Conducting regular reviews of customer accounts and transactions to ensure ongoing compliance with regulatory requirements and Pemo’s policies.
- Monitoring for unusual activity, potential fraud, or sanctions/PEP hits, and escalating cases when necessary.
- Reviewing and validating updated company documents (e.g., renewed trade licenses, MOAs, IDs) to maintain up-to-date KYC/KYB records.
- Coordinating with compliance and customer acquisition teams to request additional information or clarifications from clients when required.
- Documenting findings, maintaining accurate records, and preparing reports to support audits and regulatory reviews.
- Staying informed about changes in regulations and industry best practices to enhance monitoring processes and ensure continued compliance.
What we need from you
- Fresh graduate or up to 2 years of relevant experience working in consulting, corporate banking legal, e-money, or payment services
- Fluency in English is a MUST
- Experience or strong interest in gaining a good understanding of the Payment Services Regulations, digital payment regulations, and AML rules.
- Strong written and verbal communication skills - in particular, experience of writing policies, briefing papers and reports.
- A keen eye for detail and the ability to confidently challenge the business units, and advise on solutions to problems.
- The ability to build strong relationships, make impactful contributions and influence business strategy.
- You’ll need to be a generalist for this role - it’d be great to see if you have experience or strong interest in certifications in any of each of: AML, CAMS, Regulatory Compliance, Conduct, Financial Crime and Data Protection.
Why work with us?
We like to make sure everyone in the team is comfortable and has the best environment for them. We offer flexible hours, remote working (within 4 hours of GMT+4) and have a relaxed attitude to taking holiday - focusing only on whether work gets done. Benefits are optional and can be tweaked on an individual basis depending on what makes you most productive.
Some cool stuff at Pemo:
- You will work with an international team of experts
- We give you the freedom to explore and suggest
- You will learn new things and enter a sector which is growing and will have a direct impact on the company’s future
- You will be joining a fast-growing fintech that has been recognized among Forbes Middle East Top 50 Fintech Companies and raised $18M+ in funding by top-tier investors, including Cherry Ventures, Augmentum Fintech, Shorooq Partners, Antler, Fintech Collective, Speedinvest, and more
- We’re happy to offer a competitive salary based on experience
