Chief Compliance Officer – BSA Officer

Role Overview

• Act as the designated compliance officer for state MTLs, responsible for ensuring compliance with all applicable U.S. federal and state regulations (e.g., Bank Secrecy Act (BSA), USA PATRIOT Act, OFAC, FinCEN requirements, and individual state money transmission laws).
• Serve as the primary point of contact for state regulatory inquiries, licensing examinations, and audits.
• Prepare, maintain, and submit compliance, financial crime, and risk reports to regulators and senior management, including the Board of Directors.
• Design, implement, and maintain the company’s AML/CTF program in accordance with BSA/AML requirements and FinCEN guidance.
• Conduct ongoing risk assessments of products, services, customer segments, and geographic markets.
• Oversee transaction monitoring, suspicious activity reviews, and ensure timely filing of Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs) as required.
• Maintain AML/CTF and sanctions compliance policies, procedures, and training programs across all business units.
• Develop and lead the compliance monitoring program, including periodic reviews of business lines, affiliates, and third-party/outsourced service providers.
• Identify regulatory risks and implement effective mitigation strategies.
• Maintain registers for compliance breaches, complaints, and errors, ensuring timely remediation and documentation.
• Support internal audits and ensure readiness for regulatory examinations.
• Advise the executive team on compliance and risk issues impacting business strategy and operations.
• Report regularly to the local Board and senior management on regulatory developments, emerging risks and compliance performance metrics.
• Deliver ongoing training programs to ensure staff remain up to date on AML/CTF obligations, consumer protection rules, and state-specific requirements.
• Monitor evolving federal and state regulatory frameworks (e.g., NYDFS Part 200, state licensing requirements, FinCEN rulings, CFPB guidance) and ensure the business remains compliant.

Requirements

• Minimum of 5 years’ experience in performing compliance for a money transmitter bank and/or virtual currency business.
• Demonstrate having completed up-to-date and relevant training on topics directly related to money transmission activities and to the responsibilities of a Compliance Officer.
• Demonstrated expertise with BSA/AML, OFAC, FinCEN, and state money transmission laws.
• Prior experience leading regulatory examinations and direct engagement with state regulators.
• Proven ability to build and maintain robust AML/CTF programs, including policies, procedures, risk assessments, monitoring systems, and SAR/CTR filings.
• Strong leadership, organizational, and communication skills, with the ability to work effectively with executive management and regulators.
• Professional certifications such as CAMS (Certified Anti-Money Laundering Specialist), CRCMP, or equivalent strongly preferred.
• JD, MBA, or other advanced degree in law, business, or compliance-related field a plus.

Benefits

• Flexibility: we have flexible schedules and we are driven by performance.
• Fintech industry: work in a dynamic and ever-evolving environment, with plenty to build and boost your creativity.
• Referral bonus program: our internal talents are the best recruiters
• refer someone ideal for a role and get rewarded.
• Social budget: you'll get a monthly budget to chill out with your team (in person or remotely) and deepen your connections!
• dLocal Houses: want to rent a house to spend one week anywhere in the world coworking with your team? We’ve got your back!