Deputy Compliance Officer

This is a fully remote position, open to applicants in United States.

📋 Description

• Oversee the daily operations of BSA/AML, including the quality of SARs, regulatory reporting to FinCEN, and transaction monitoring, while addressing significant issues and stepping in for the CCO during their absence.

• Take charge of the consumer compliance program operationally, managing UDAAP, Reg E, CAN-SPAM, and TCPA reviews of marketing and advertising materials, along with maintaining disclosures and handling complaints from intake to resolution.

• Direct the consumer complaints program from start to finish, identifying systemic issues and recommending root-cause solutions instead of merely closing tickets.

• Assist with multi-state MTL compliance, which includes license renewals, regulatory notifications, and preparing for examinations across all active LemFi states in the US.

• Oversee compliance commitments with sponsor banks, ensuring that statuses are documented, open items are tracked, and the CCO is kept informed to avoid surprises.

• Contribute to the compliance sections of board and executive management reports, as well as support the organization-wide compliance risk assessment.

• Utilize AI tools to streamline policy drafting, prepare evidence packs, and conduct regulatory research, thereby allowing more time for critical judgement calls that require your expertise.

⛳️ Requirements

• A minimum of 6 years of compliance experience within US payments, money transmission, fintech, or financial services, with substantial hands-on expertise in both BSA/AML and consumer compliance.

• Strong working knowledge of BSA/AML regulations, FinCEN requirements, and OFAC, including direct involvement in SAR and CTR processes.

• Experience in contributing to a consumer compliance program that encompasses UDAAP, Reg E, and complaints management, not just providing advice.

• Knowledge of multi-state MTL compliance and the regulatory expectations set by state money transmission regulators.

• Experience working within or in conjunction with a sponsor bank or BaaS compliance framework, with an understanding of how these relationships function under pressure.

• Excellent written and verbal communication skills: capable of producing clear compliance guidance, policy documents, and regulatory correspondence that both the business and regulators can trust.

• Able to work effectively with minimal supervision, manage competing priorities across two compliance workstreams, and make sound judgement calls independently.

🏝️ Benefits

• Health insurance

• 401(k) matching

• Flexible work hours

• Paid time off

• Remote work options