What You'll Do
- Own and maintain the AML/BSA compliance program for U.S. payments products, including policies, procedures, and internal controls.
- Draft and maintain compliance policies covering data privacy rules, AML/KYC requirements, and sanctions screening, keeping documentation current as regulations change.
- Oversee transaction monitoring for payment flows; manage alert review, investigations, and SAR filing decisions.
- Own sanctions/OFAC screening oversight for payment transactions, including escalation and blocked transaction handling, PEP and adverse media monitoring, and KYC case management — building the SOPs and systems to manage these case types.
- Ensure ongoing compliance with payment network and scheme rules (e.g., Visa, Mastercard, ACH/NACHA) relevant to our products.
- Act as the embedded compliance partner to Product and Engineering on new payment features — reviewing designs pre-launch and flagging regulatory risk early.
- Manage relationships and communications with state regulators, examiners, and banking/card-issuing partners.
- Support external audits and regulatory exams, including evidence gathering and remediation tracking.
- Monitor the regulatory landscape for U.S. payments and crypto, and translate changes into program updates.
- Deliver compliance training and guidance to the payments team and other internal stakeholders.
- Manage state money transmitter licensing (MTL) compliance — exam readiness, license renewals, and reporting obligations across relevant states.
What We're Looking For
- 3-5 years in compliance, with substantial hands-on experience in U.S. payments compliance specifically (BSA/AML, sanctions, and/or money transmission licensing).
- Direct experience at a money services business (MSB), payments company, fintech, bank, or crypto/digital asset company.
- Working knowledge of BSA/AML requirements, OFAC sanctions rules, state money transmission law, and card network / ACH rules.
- Experience managing regulator or examiner relationships, including hands-on exam support.
- Deep understanding of pre-authorization and fraud risk management practices at a payment service provider.
- Comfortable operating as a generalist and owning a program end-to-end, not just one narrow slice of it.
- Strong written and verbal communication — you'll represent compliance directly to regulators, auditors, and partners.