Legal & Compliance Officer

Role Summary

The Legal & Compliance Officer will support legal, regulatory, and compliance operations for ZilMoney and Tyler Payment Technologies across both India and the United States. The role includes merchant onboarding oversight, legal drafting, policy maintenance, documentation review, risk analysis, and operational support. The officer must navigate dual legal environments - Indian corporate/legal requirements and US financial regulations - while maintaining accuracy, confidentiality, and structured workflows. This position is on-site and requires a proactive, committed individual who is eager to learn, grow, and stay engaged with long term responsibilities.

Key Responsibilities

1. India-Specific Legal & Compliance Work

• Oversee compliance requirements under IT Act, Evidence Act (digital evidence), Contract Act, Consumer Protection Act, and relevant employment and operational laws.
• Review India office agreements, HR documentation, vendor contracts, service-provider agreements, NDAs, and internal operational documents.
• Handle notices, legal correspondence, record maintenance, and regulatory follow-ups.
• Support India operations on workplace compliance, confidentiality matters, and process documentation.

2. US-Facing Compliance & Legal Responsibilities

• Conduct KYB/KYC checks according to US standards, including beneficial ownership, EIN verification, sanctions screening, and risk categorization.
• Ensure merchant onboarding follows processor rules, NACHA requirements, AML/CTF norms, and internal risk policies.
• Assist in drafting merchant agreements, processor addendums, policy updates, API terms, and public-facing compliance content.
• Review ACH return patterns, chargebacks, suspicious activities, refunds, and merchant behavioural anomalies in coordination with the US team.
• Maintain clear audit trails, logs, decision notes, and compliance registers.

3. Operational Coordination & Workflow Monitoring

• Work closely with Support, Risk, Integrations, Tech, and Finance teams to ensure compliance workflows are followed accurately.
• Provide real-time interpretation of compliance rules on issues such as account closures, document verification, suspicious patterns, and transaction concerns.
• Respond promptly to US team escalations during shift hours, with flexibility based on business need.

4. Flexibility Expectation

• Availability to adjust working hours for urgent legal matters, audits, escalations, or cross-team requirements across India and US operations.
• Willingness to handle high priority tasks outside standard shift timing when legally or operationally required.
• Must be genuinely eager to learn US financial regulations, Indian legal frameworks, payment-system rules, and new workflows as they evolve.
• Should demonstrate a long-term commitment, reliability, and the ability to stay engaged with complex responsibilities without avoidance or dependency.
• Must show enthusiasm, curiosity, and readiness to take ownership, especially when navigating unfamiliar legal or compliance tasks.
• Should have a proactive attitude toward upskilling, cross-functional understanding, and building expertise in both jurisdictions.

Scope & Working

The Legal & Compliance Officer plays a critical role in maintaining compliance for both Indian operations and US payment workflows. This position requires careful legal analysis, documentation discipline, and the ability to manage responsibilities that span two jurisdictions. The officer must ensure consistent compliance across merchant onboarding, document verification, account actions, and risk assessment while supporting India’s operational legal needs. Working from 4:30 PM to 1:30 AM IST, with flexibility for urgent matters, the officer coordinates actively with US teams to provide timely legal and compliance decisions. The role demands a committed individual who is focused, dependable, eager to learn, and enthusiastic about growing within the company, taking on increasing responsibilities with maturity and diligence.

Qualifications

• LL.B or higher; additional compliance or fintech certifications are a plus.
• Experience in fintech, payments, compliance, corporate law, or cross border legal work is preferred.
• Familiarity with Indian legal systems and willingness to develop strong understanding of US regulatory frameworks.
• Strong drafting, analytical, and documentation skills.
• Ability to work patiently in a time-zone-aligned environment and adapt to business needs.

Job Types: Full-time, Permanent

Pay: ₹200,000.00 - ₹300,000.00 per year

Benefits:

• Health insurance
• Leave encashment
• Life insurance
• Paid sick time
• Paid time off
• Provident Fund

Work Location: In person