Legal and Compliance Analyst

Legal and Compliance Analyst

Panama City

Counsel - Legal /

Full-Time /

Hybrid

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About PayJoy

PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy's point-of-sale financing and card offerings, customers gain access to a modern quality of life. PayJoy's credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.

This role

The Legal & Compliance Analyst is responsible for support implementation and execution of compliance controls related to local regulatory obligations and PayJoy programs, by reviewing and drafting documents and contracts, addressing routine legal and compliance queries, and ensuring efficient support to meet operational and regulatory needs in alignment with the company's objectives.

Responsibilities

• Monitor and interpret local regulations to ensure the company adheres to applicable laws and avoids non-compliance risks.

• Prepare, review, and update contracts, agreements, and other legal documents to safeguard the company's interests.

• Respond to routine legal and compliance inquiries from internal stakeholders, providing clear and accurate guidance.

• Assist in designing, implementing, and monitoring compliance initiatives to align with corporate policies and local regulations.

• Identify and address potential legal and regulatory risks, proposing solutions to reduce impact on operations.

• Work closely with other departments to ensure alignment on compliance and legal requirements in day-to-day activities and strategic projects.

Requirements

• Bachelor's degree in Law.

• At least 1 year of internship experience in legal or compliance roles.

• Strong legal reasoning and analytical skills.

• Strong teamwork skills, a proven ethical record, and the ability to work with key objective metrics.

Benefits

• 100% Company-funded Health and Dental Insurance for employees and immediate family members
• Life insurance
• Vacations 30 days
• Phone finance, Headphone, home office equipment and wellness perks.
• $2,000 USD annual Co-working Travel perk
• $2,000 USD annual Professional Development perk
• Catered lunches

PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

PayJoy Principles

Finance for the next billion Ownership Break Through Walls Live Communication Transparency & Directness Focus on Scale Work-Life Balance Embrace Diversity Speed * Active Listening

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

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