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About the Role

The OneCap Compliance Quality Control Specialist operates within Meridian OneCap’s Line 1b compliance function, independently assessing the quality and effectiveness of Anti-Money Laundering (“AML”), Anti-Terrorist Financing (“ATF”), Sanctions Compliance (“SC”), and fraud-related operational outputs. The role evaluates post-funding documentation, reporting, and control execution to confirm adherence to internal policies, regulatory requirements, and established quality standards. The Specialist also performs targeted quality control testing over fraud-related controls and workflows and delivers consolidated quality insights and trend reporting. This role contributes to the ongoing development and maturity of the Quality Control (“QC”) Program, supports audit and regulatory exam readiness, identifies root causes and emerging risk trends, and recommends process, control, and reporting enhancements.

Responsibilities

Execute risk-based quality control testing over AML/ATF/SC and fraud-related operational outputs in accordance with the approved QC framework.
Perform post‑funding sampling and testing to assess documentation quality, policy/regulations adherence, evidentiary sufficiency, and reporting accuracy.
Validate that findings, conclusions, and remediation recommendations are adequately supported and meet evidentiary and retention standards.
Conduct QC testing over fraud-related controls, including escalation timeliness, fraud risk indicator assessment, and operational risk loss‑event reporting quality; identify trends and recommend potential control, process, or system enhancements.
Support Fraud Management and Corporate Security (“FMCS”) to coordinate with Law Enforcement on recovery and investigation of instances of OneCap fraud.
Support tactical asset recovery and fraud investigation functions as appropriate.
Support the design, ongoing refinement, and execution of the AML/ATF/SC and Fraud Quality Control strategy, ensuring scope appropriately addresses evolving regulatory expectations and emerging ML/TF, sanctions evasion, and fraud risks.
Act as a subject matter contributor to continuous improvement initiatives by identifying control gaps, systemic issues, and opportunities to strengthen policies, procedures, systems, and workflows.
Coordinate responses and supporting documentation for internal audit, external audit, and regulatory exams related to MOCC Operations.
Contribute to fraud risk assessments for new products/processes.
Participate in control enhancement initiatives driven by emerging risks.
Participate in the RSCA and assist in documentation of OneCap risks, including AML, and internal/external fraud risk.
Maintain complete, defensible, and audit‑ready QC work papers in accordance with established standards.
Support audit and regulatory exam activities by coordinating information requests, validating accuracy of submissions, and ensuring timely responses.
Produce regular AML/ATF/SC and Fraud QC reporting for OneCap leadership, CAMLO/Deputy CAMLO, and applicable Meridian partners, including defect trends, root‑cause analysis, and remediation status.
Track issues through resolution and contribute insights to governance reporting and policy and procedure enhancement initiatives.

Requirements

Strong working knowledge of FINTRAC, PCMLTFA, and related regulations, with ability to apply guidance to operational activities.
Demonstrated expertise in risk based QC/QA methodologies, including sampling, testing, defect analysis, and remediation validation.
Proven ability to produce audit defensible QC work papers and management reporting suitable for audit and regulatory review.
Solid understanding of fraud typologies, fraud risk assessments, fraud indicators, escalation processes, fraud control systems and strategies, and operational risk loss event reporting.
Strong knowledge of equipment financing and leasing, including Personal Property Security Act (“PPSA”) and Perfect Money Security Interest (“PMSI”) concepts and documentation requirements.
Strong organizational skills; able to manage competing priorities with minimal supervision.
Working knowledge of federal and provincial privacy legislations.
Proficient in Microsoft Office (Excel, Word, Outlook, and SharePoint).
Excellent written and report writing skills.
Embedding & leveraging technology – Confidence and willingness to learn and integrate AI and emerging technologies into new ways of working.
Critical Thinking – The ability to analyze, evaluate and interpret information from various sources and apply logic and problem solving to make decisions.
Data Driven– Leverage data and insights to identify, prioritize and improve member experience and business efficiency.
Curiosity & Flexibility – Comfortable navigating and embracing change and uncertainty, ask more questions, explore more options. Continuously learn and grow.

Skills

AML
ATF
Sanctions Compliance
Fraud detection
Quality Control
Risk assessment
Documentation review
Reporting
FINTRAC
PCMLTFA
Microsoft Office Suite
Excel
Word
Outlook
SharePoint
French (oral and written) is an asset
AI
Low/no code tools
Microsoft Power Platform
Generative AI productivity tools
Microsoft Copilot

Location

Toronto
Vancouver

Work Type

Hybrid

Experience Level

Internal candidates are being considered as part of our standard process.

Salary/Compensations

$68,800 - $103,200 annually

Benefits

Inclusive and collaborative working environment that encourages creativity, curiosity, and celebrates success!
Tools and technology needed to delight your candidates and clients!
Opportunity to work with and learn from diverse industry leaders.
Hybrid work arrangements with in-person office time to collaborate, innovate and build relationships with your colleagues.
Work hard and have fun!

About the Company

Meridian OneCap Credit Corp (MOCC) is an equipment and finance company providing a broad range of financial services to businesses throughout Canada.
Our parent, Meridian Credit Union, has over 70 years of banking history and is Ontario’s largest credit union.
MOCC is a provider of asset financing in the form of capital leases.
We are committed to being the best provider of specialized equipment financing services to strategic vendors across Canada.
Our service-oriented culture and exceptional group of professionals serves to provide our strategic partners with value-added service and constructive solutions.
Meridian OneCap Credit Corp provides customized leasing solutions both to help companies sell equipment and to companies that have chosen to lease equipment, rather than buy.
For manufacturers and vendors, we enable you to provide your customers with a value-added service that helps your customers acquire equipment efficiently and gives your company a competitive edge.
And for the end user, we can help you to preserve working capital in your business, while benefiting now from the use of the equipment.
Our team is known as industry leaders.
We’ve earned our reputation through consistent delivery of financing programs with the most efficient transaction process and superior customer service.
With the largest direct sales force within the Canadian market, it’s no wonder our customer service is unparalleled.
At Meridian OneCap, we’re not just adapting to the future—we’re shaping it.
We see talent as a catalyst for sustainable growth, community impact, and future-readiness.
As the financial landscape evolves, we’re looking for team members who bring: Embedding & leveraging technology, Critical Thinking, Data Driven, Curiosity & Flexibility.

Equal Opportunity

Meridian OneCap is committed to promoting an inclusive, accessible environment, where all employees and customers feel valued, respected and supported.
We are dedicated to employing a workforce that reflects the diversity of our communities and Members in which we live and serve.
Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, or disability.