Regulatory Manager

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

📋 Description

• Develop and enhance a robust compliance framework specifically designed to meet the regulatory demands of lending, money transmission, payments, and virtual currency.

• Direct enterprise-wide assessments of regulatory risks, meticulously documenting risks, controls, and strategies for mitigation across various business sectors.

• Manage state licensing initiatives for lending and money transmission, including maintenance of licenses, renewals, reporting duties, regulatory examinations, and communications with regulators.

• Track and analyze changes in federal and state regulations that affect bitcoin, digital assets, lending, and payments operations.

• Evaluate and provide guidance on new products, services, features, partnerships, and marketing strategies to ensure regulatory compliance and risk reduction.

• Work collaboratively across teams to identify emerging risks and promote enhancements in controls, remediation strategies, and operational efficiencies.

• Create, implement, and uphold internal controls, as well as monitoring and testing programs, issue management systems, and governance reporting.

• Assist in and oversee regulatory audits, examinations, inquiries, and consumer complaints across various jurisdictions.

• Collaborate with Product, Operations, Engineering, and Legal departments to integrate regulatory requirements into scalable business processes and technical controls.

• Design and provide compliance training to ensure that regulatory requirements are comprehended and complied with throughout the organization.

• Play a role in the ongoing advancement and effectiveness of Unchained’s Compliance Management System (CMS) and broader Governance, Risk, and Compliance (GRC) initiatives.

⛳️ Requirements

• Over 7 years of experience in regulatory compliance, legal/compliance, risk management, or advisory positions within the financial services, fintech, payments, lending, or virtual currency sectors.

• Experience in managing or supporting state-licensed lending and/or money transmission programs.

• Comprehensive understanding of U.S. financial services regulations, including state lending and money transmission laws, as well as federal regulations such as Reg E, UDAAP, ECOA, TILA, E-Sign Act, and BSA/AML principles relevant to money transmission and virtual currency.

• Proven experience in establishing internal controls, compliance monitoring and testing, reporting frameworks, and audit/examination preparedness programs.

• Demonstrated ability to collaborate effectively with Product, Operations, Engineering, Finance, and Legal teams to provide practical and business-aligned compliance solutions.

• Exceptional verbal and written communication skills, with the capability to simplify complex regulatory requirements into operational controls and actionable directives.

• Strong analytical, problem-solving, and critical thinking abilities, alongside the capacity to balance regulatory demands with business goals.

• Highly motivated with excellent organizational and project management skills.

🏝️ Benefits

• Company-sponsored medical, dental, and vision insurance

• 401(k) plan with employer matching

• Employee stock option program

• Unlimited paid time off (PTO)

• Opportunities for training and professional development

• Flexibility for remote work