Have you set up MTLs? Do you have international experience? Are you a hands-on Compliance leader in Payments/Fintech? If so, this is your chance to lead regulatory compliance for a global payments-focused FinTech operating as a Money Services Business that facilitates payouts to 180+ countries. As Chief Compliance Officer, you will:

• Oversee AML programs, MSB/MTL licensing, FinCEN obligations, and cross-border regulatory requirements including EU, Canadian (FINTRAC, FRPAA), and Latin American frameworks.
• Manage regulatory audits, investigations, remediation efforts, and all governance processes tied to financial crime prevention. Responsibilities include running transaction monitoring systems, enforcing risk-based KYC/EDD controls, and ensuring accurate SAR filings and OFAC screening.
• Conduct ongoing AML risk assessments, maintain compliance documentation, and update Policies & Procedures.
• Help scale the company (privately held, profitable, no debt) to a successful exit in the next ~3-5 years

Key Responsibilities:

• Regulatory Oversight and Governance
  • Lead the strategic development, execution, and continuous improvement of AML and regulatory compliance programs, with a focus on MSB and MTL frameworks.
  • Ensure full compliance with FinCEN regulations, including registration, reporting, and recordkeeping obligations.
  • Oversee adherence to state MTL licensing requirements, including periodic renewals, audits, and regulatory filings.
  • Provide oversight on global and cross-border regulatory frameworks, including EU, Canadian (FINTRAC, RPAA), and Latin American regimes.
  • Manage regulatory inquiries, investigations, remediation plans, and consent orders in coordination with legal and operational teams.
• Monitoring, Reporting, and Risk Management
  • Implement and manage transaction monitoring systems and risk-based KYC/EDD frameworks.
  • Ensure timely and accurate SAR filings and OFAC screening in accordance with FinCEN and OFAC guidelines.
  • Maintain detailed records demonstrating compliance with AML, MSB, and payments regulations.
  • Conduct periodic AML risk assessments and update Policies & Procedures (P&Ps) accordingly.
  • Collaborate with internal departments to ensure seamless compliance integration across business units.
  • Review and remediate findings related to governance, risk, and compliance deficiencies.
  • Stay abreast of evolving regulatory trends and assess their impact on business operations.
• Training & Awareness
  • Deliver ongoing training programs to staff on AML policies, FinCEN and OFAC requirements, and regulatory updates.
• Leadership & Collaboration
  • Partner with global compliance teams to ensure alignment of enterprise-wide controls and standards.
  • Participate in strategic planning initiatives and interdepartmental committees.
  • Lead compliance-related projects, audits, and documentation efforts, including updates to P&Ps and regulatory filings.

Ideal Background:

• FinTech / Payments industry experience
• Experience obtaining & maintaining Money Transmitter Licenses (MTLs) for Money Services Businesses (MSBs)
• CAMS certification (Certified Anti-Money Laundering Specialist)
• 5+ years of experience in compliance, risk management, or financial crime roles within FinTech, MSB, PSP, or financial institutions.
• Working knowledge of RPAA and Canadian financial services regulations.
• Familiarity with EU and Latin American regulatory regimes.
• Bachelor’s degree in Finance, Law, Business Administration, or related field.
• Experience handling regulatory investigations, remediation plans, and consent orders.
• Proficient in English (French, Mandarin, or Cantonese is a plus).
• Direct experience preparing and submitting FINTRAC reports.
• Experience with transaction monitoring systems and risk-based KYC/EDD framework such as Lexus Nexus.
• Prior leadership experience in a regulated environment.
• Strong communication skills, including with regulators and financial partners.
• Project management and documentation experience.

About the Company:

As a pioneering Fintech company specializing in global payment solutions and financial technology innovation with nearly two decades of experience, we are committed to regulatory excellence and the prevention of financial crime across the globe. As a registered Money Services Business (MSB), we operate under strict regulatory frameworks, including FinCEN and state-level Money Transmitter License (MTL) requirements. Our operations are governed by robust compliance protocols that include OFAC screening, Suspicious Activity Report (SAR) filing, and comprehensive Policies & Procedures (P&Ps).

Why Join Us?

• Be part of a forward-thinking FinTech company with a strong compliance culture.
• Work remotely, or onsite in a dynamic South Florida office.
• Collaborate with global teams and contribute to shaping the future of financial technology.
• Be rewarded significantly for your contributions when the company is sold/acquired within the next 3-5 years.

Location:

Remote, with occasional travel to company HQ in South Florida

Contact:

Ian Horsted
605-275-8803
Ia*@********up.com
Schedule a Call with Ian