Head of Financial Crime & Compliance (AML, BSA)

What we are looking for:

We are seeking a dedicated Head of US Compliance and BSA Officer who enjoys working in a dynamic and fast-paced environment, who has experience with and likes to partner with the business to pursue new initiatives in a compliant yet pragmatic way. The Head of Compliance will be a key leader of our US compliance team and responsible for developing and overseeing the compliance framework across our US business. This role requires a seasoned compliance professional with experience in payments, card programs, digital assets, remittances, and a background in navigating both state and international strategy. The right candidate will bring a data driven and analytical mindset to drive sustainable growth of our US business. 

Responsibilities

• Build out a world class US compliance program within Zepz Global Program, including team building, tooling, design, and structure to align with and enable a rapidly growing and dynamic business.

• Support our global product expansion strategy with a focus on creating a flexible and effective compliance organization.

• Conduct regular assessments in partnership with our global team to identify compliance risks associated with payments programs and digital asset offerings.

• Oversee the licensing process for state and international operations, ensuring adherence to all applicable regulations.

• Support and update US compliance policies related to Anti-Money Laundering (AML), Know Your Customer (KYC), data protection, and other relevant regulations.

• Support our US-specific training programs to enhance compliance awareness among employees and promote a culture of compliance throughout the organization.

• Establish monitoring systems to track and report compliance performance and prepare reports for senior management and the board.

• Develop, initiate, maintain, and revise policies and procedures to comply with regulatory requirements and communicate requirements to the associated personnel. Manage the day-to-day operation of the Compliance Management Program.

• Identifies potential areas of compliance vulnerability and risk; develop and implement correction actions plans for resolution as needed.

• Monitor and provide recommendations to the business regarding new product launches and the implementation of new rules and regulations.

• Ensures proper compliance reporting 

• Report to senior management and the Board, providing updates on key AML-related compliance activities, trends, and risks.

What we’re looking for:

• Significant AML compliance experience within the fintech sector, with specific expertise in card programs, payments and/or digital assets. 

• Strong regulatory understanding of state and international financial regulations, including those governing AML, KYC, and consumer protection laws, and how to effectively and pragmatically apply them.

• Proven ability to lead compliance initiatives and influence stakeholders at all levels of the organization.

• Strong analytical skills to assess complex regulatory requirements and develop effective compliance strategies.

• Experience in building and managing a cohesive compliance team and program for a hyper growth company.

• Proven experience thriving in a fast-paced, high-volume work environment.

• Demonstrates resilience and composure under pressure, with the ability to navigate ambiguity and adapt swiftly to change.