US Regulatory Compliance Lead

This is a fully remote position, open to applicants in North America.

📋 Description

• Take ownership of the complete lifecycle for US money transmitter licenses, which encompasses renewals, amendments, and reporting.

• Manage licensing workflows within NMLS.

• Oversee the licensing calendar and facilitate cross-functional intake with Legal, Finance, and Data teams.

• Collect inputs, validate data, and ensure timely completion of required filings and reports.

• Lead regulatory examinations, including planning, managing requests, producing evidence, drafting written responses, and tracking remediation.

• Uphold program governance through the establishment of policies and procedures, monitoring/testing, and managing closed-loop issues.

• Manage lending-related licensing and compliance responsibilities, including maintaining licenses, fulfilling reporting requirements, and supporting examinations.

• Coordinate independent AML/Sanctions audits and ensure timely remediation actions are taken.

• Implement and manage a Compliance Monitoring Program, which includes testing plans, control testing, documentation, and remediation efforts.

• Supervise US compliance training for new employees, annual sessions, and targeted refreshers.

• Prepare updates for Executive leadership and the Board.

• Enhance workflows by utilizing automation and AI where applicable.

⛳️ Requirements

• A minimum of 6 years of experience in regulatory compliance within financial services, payments/FinTech, or cryptocurrency sectors.

• Proven ability to draft regulator-ready narratives, create trackers, compile evidence, and ensure cross-functional collaboration.

• Experience in developing and maintaining a compliance governance program, which includes policies and procedures, monitoring/testing, issue management, and reporting to management/Board.

• Extensive hands-on experience with US state MTL licensing and MSB obligations.

• Proficient in NMLS.

• Direct experience with regulators and examinations, including drafting responses and managing evidence.

• Excellent writing, organizational, and execution capabilities.

• Familiarity with state money transmitter laws.

• Strong knowledge of BSA/AML and OFAC regulations.

• Understanding of lending compliance and licensing aspects, such as TILA, ECOA, and UDAAP/UDAP, is a plus.

• Availability during US Time Zone is a strict requirement.

🏝️ Benefits

• Equity in a rapidly growing startup.

• Contributions towards health, dental, and vision insurance premiums.

• Short and long-term disability insurance.

• Basic life insurance coverage.

• Reimbursement for cell phone and internet expenses.

• Flexible paid time off (PTO).

• Sick leave benefits.

• Parental leave.

• Access to a company 401k plan.