Regulatory & Compliance Lead

At Toku, we are looking for our Regulatory and Compliance Lead, a lawyer with a business mindset who will lead Toku's regulatory compliance program, with a primary focus on our regulated entities in Chile and an increasing role in our operations in Mexico and Brazil.

We are looking for someone who goes beyond interpreting regulations: a person who gets involved in the business, works closely with the Product, Operations, and Risk teams, and understands how to enable the growth of a fintech in a dynamic regulatory environment.

You will report to the Legal Director and be responsible for ensuring Toku's Compliance program works on a day-to-day basis: translating regulatory requirements into concrete product, process, and business decisions, and serving as a counterpart to regulators on matters within your scope.

Main responsibilities

• Lead the Compliance program. Design, implement, and maintain the policies, procedures, manuals, and compliance controls for Toku's regulated entities, starting with Chile.
• Manage the relationship with regulators. Act as a counterpart to the CMF, the UAF, and the Central Bank of Chile in periodic reports, requirements, audits, and remediation plans, in coordination with the Legal Director.
• Prevention of Money Laundering and Financing of Terrorism (AML/CFT). Define the prevention model and KYC/KYB policies, review alerts escalated by the Risk area, and manage suspicious activity reports. Transactional monitoring is the responsibility of the Risk area.
• Support licensing processes. Accompany, together with the legal team, the obtaining and maintenance of licenses and regulatory authorizations, including the remediation of gaps identified by auditors or regulators.
• Be a business partner to Product and Business. Get involved from the design of new products, services, and processes, identifying regulatory risks and proposing alternatives that allow progress without compromising compliance.
• Anticipate regulatory changes. Monitor applicable regulations (Fintech Law, payment methods regulation, Open Finance System), evaluate their impact on Toku, and coordinate action plans with the teams involved.

Requirements

• Licensed lawyer (Law degree).
• 5 or more years of professional experience, with at least 2 to 3 years in compliance in fintech, banking, or regulated financial services.
• Demonstrable experience designing or implementing a compliance or AML/CFT program.
• Experience as a counterpart to a regulator (CMF, UAF, or other) in audits, requirements, or licensing processes.
• Business mindset and ability to work cross-functionally with Product, Operations, Risk, and other areas, seeking practical solutions.
• Ability to communicate regulatory issues clearly, translating them into actionable recommendations for non-legal teams.
• High autonomy, proactivity, and ownership mindset.
• Advanced English.