Senior Compliance Manager, Governance & Quality Assurance
New
J
JobgetherPayments, Fintech
United StatesFull-TimeManager
Salary145,000 USD per year
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Job Details
- Experience
- 6+ years
- Required Skills
- ComplianceRisk Management
Requirements
- 6+ years of experience in compliance, underwriting, risk, or a related function within payments or financial services.
- Experience with a payment processor, Payment Facilitator, acquiring bank, acquiring ISO, sponsor bank, fintech, or regulated financial institution is strongly preferred.
- Extensive experience leading compliance due diligence and control assessments for regulated financial services or payments clients.
- Strong knowledge of U.S. payments regulations and financial crime requirements, including BSA/AML, OFAC sanctions, CIP, CDD, EDD, FinCEN guidance, money transmission licensing, and applicable federal and state requirements.
- Demonstrated ability to assess AML/BSA, sanctions, licensing, consumer regulatory, and financial crime compliance programs and controls.
- Strong understanding of merchant acquiring, card payments, ACH, real-time payments, and Visa and Mastercard rules.
- Proven ability to evaluate complex business models and develop practical, risk-based compliance recommendations.
- Strong analytical, written, verbal, and stakeholder-management skills.
- Experience designing or improving compliance processes, policies, and standard operating procedures.
- Bachelor's degree in Business, Finance, Criminal Justice, or a related field, or equivalent professional experience.
- ACAMS certification is strongly preferred; CAFP, CAMS-Audit, CRCM, or other relevant certifications are also valued.
Responsibilities
- Lead end-to-end compliance due diligence and control reviews for prospective clients, assessing regulatory, operational, financial crime, and payment ecosystem risks.
- Analyze complex business models, payment flows, and payment use cases to determine regulatory requirements, onboarding supportability, and appropriate risk mitigation measures.
- Evaluate the design and effectiveness of client compliance programs, including AML/BSA, sanctions, licensing, consumer protection, and financial crime controls.
- Make risk-based onboarding recommendations and serve as the primary compliance advisor for high-risk, complex, or strategically important opportunities.
- Provide subject matter expertise and technical guidance to Compliance Risk Analysts on CDD, EDD, sanctions screening, and onboarding requirements.
- Partner with clients, sponsor and partner banks, payment networks, and internal stakeholders to facilitate onboarding and required approvals.
- Build and maintain strong relationships with partner banks, understanding institution-specific compliance requirements, expectations, and risk appetites.
- Develop and enhance compliance policies, standard operating procedures, onboarding frameworks, and governance practices.
- Lead strategic initiatives focused on improving onboarding quality, operational efficiency, consistency, governance, and regulatory compliance.
- Monitor regulatory, payments, and card-network developments and incorporate relevant changes into onboarding practices, policies, and internal guidance.
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