MLRO/Compliance Officer

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

📋 Description

• Take ownership and implement the multi-state U.S. Money Transmitter License strategy.

• Collaborate with internal and external stakeholders, managing policies, resources, and timelines for licensing.

• Direct NMLS MU1/MU2 filings and state additions, which include bonding, net worth/audited financials, policies, and state forms.

• Oversee responses to deficiencies, address regulator inquiries, and ensure examination readiness.

• Manage ongoing licensing operations, such as renewals, amendments, reporting, and notifications for agent/authorized delegate rosters and key individuals/control changes.

• Coordinate CBC, fingerprinting, and credit requirements for necessary individuals.

• Develop and maintain the AML/BSA program, which encompasses risk assessment, policies/procedures, KYC/KYB/CIP, sanctions, monitoring governance, SAR escalation/filing governance, training, independent testing, and recordkeeping.

• Keep an audit-ready evidence library and operational workflows for investigations and escalations.

• Collaborate with Legal, Product, Marketing, Operations, Finance, Security, and Engineering to integrate compliance into launches and operations.

• Supervise compliance-related vendors, including KYC/screening/monitoring and payment partners, ensuring thorough due diligence and continuous oversight.

• Address ad-hoc compliance requirements.

⛳️ Requirements

• 7+ years of experience in payments/fintech compliance with practical involvement in U.S. MTL licensing (multi-state).

• Strong experience in owning and executing AML/BSA programs.

• Demonstrated capability to lead cross-functional programs and produce documentation ready for regulators.

• Excellent judgment, strong writing skills, and a disciplined approach to execution.

• Familiarity with cryptocurrency and complex fund flows.

• Proven experience working collaboratively with institutional partners.

• Experience managing surety bonds.

• Past experience with a multijurisdictional company, especially in the EU, is a plus.

• Previous experience as, or closely working with, a BSA/AML Officer.

• Management experience is an asset.

🏝️ Benefits

• Performance-based incentives.

• 22 days of annual leave.

• An additional 6 company-specific days off.

• Bank holidays.

• Comprehensive health insurance plans.

• Extensive benefits program.

• Flexible work schedule.

• Options for remote work.

• Modern office spaces and co-working facilities across 6 countries.

• Provision of working equipment.

• Opportunities for professional development and training.

• Chance to influence the initiatives you are involved in.

• A diverse and welcoming team.