US Compliance Officer

Who Are We

We are a well-funded, early-stage startup in stealth mode, building modern infrastructure to transform B2B payments. We are looking for builders who want to solve complex problems from the ground up.

We are hiring a US Compliance Officer to build and lead our compliance function, with a path to grow into a global CCO role.

About the Role

You will build and evolve our enterprise compliance program across federal and state obligations, bank partner requirements, and third-party commitments. You will set policy, partner with Product and Engineering, own regulator and bank partner relationships, and create a pragmatic compliance culture that enables speed with control.

The role may start part-time, about 20 hours per week, and transition to full-time in September. Location is flexible; North America or LATAM market experience is a plus.

Key Responsibilities

Program Leadership

• Build the enterprise compliance program across regulatory, bank partner, and third-party requirements.

• Own risk assessments, policies, training, monitoring, testing, and issue remediation.

Regulatory & Partner Relationships

• Serve as primary contact for regulators, sponsor banks, and auditors.

• Lead exams, audits, sponsor bank reviews, and remediation.

• Manage state licensing, filings, renewals, reporting, and related obligations.

BSA/AML, Sanctions & Financial Crimes

• Run the BSA/AML, sanctions, and financial crimes program, including CIP/CDD/EDD, monitoring, SAR/CTR filings, OFAC screening, and model validation.

• Partner with Product, Engineering, Risk, and Operations to tune rules, reduce false positives, and scale investigations.

Product Compliance

• Embed compliance into product development, feature reviews, marketing, disclosures, and launch approvals.

• Manage complaints, root-cause analysis, and required executive or regulatory escalation.

Governance, Vendor & Data

• Own compliance aspects of vendor risk, bank partner due diligence, sub-processor oversight, and contractual requirements.

• Partner with Security and Privacy on GLBA Safeguards, state privacy laws, and incident response obligations.

Operations & Team Leadership

• Build a high-performing compliance and operations team with clear standards and career paths.

• Create efficient processes and tools, including selective outsourcing and AI-enabled workflows.

Required Qualifications

• 10+ years of U.S. financial services compliance experience, including 3+ years in senior leadership.

• Hands-on experience with MTL applications, annual filings, and license maintenance.

• Cross-border payments experience.

• Experience building or materially rebuilding a compliance program at a fintech, bank, or regulated financial services company.

• Excellent communication skills and ability to translate regulation into actionable guidance and Board-ready reporting.

• Bachelor’s degree required.

Preferred Qualifications

• Prior named BSA Officer experience.

• Experience with additional markets, sponsor-bank models, multi-state MTL, or high-growth fintech environments.

• JD or relevant certification such as CRCM, CAMS, CFE, CIPP/US, or CCEP.

• Familiarity with modern GRC and monitoring tools.

Why Join?

• Growth: Build the compliance function from scratch with a path to global CCO.

• Impact: Shape the regulatory framework for a fast-scaling B2B payments company.

• Scale: Serve SAP customers in a lower-risk B2B model with significant market opportunity.

• Culture: Join a collaborative team that values curiosity, inclusion, AI-enabled innovation, and sustainable work.

We are looking for curious, driven builders who want to create secure, scalable, user-friendly payments products.