This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Senior Compliance Manager, Governance & Quality Assurance based in United States.
This role is an opportunity to serve as a senior compliance subject matter expert within a fast-growing payments environment. You will lead complex compliance due diligence and control assessments for prospective clients and strategic partnerships. The position combines regulatory expertise, risk-based decision-making, stakeholder management, and operational improvement. You will evaluate sophisticated business models, payment flows, and financial crime risks while translating regulatory requirements into practical recommendations. Working closely with clients, partner banks, payment networks, and internal teams, you will help determine onboarding eligibility and strengthen risk mitigation strategies. You will also contribute to scalable compliance frameworks, governance practices, and continuous improvements across the onboarding lifecycle.
Accountabilities
- 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.
- Coach and mentor junior compliance professionals by providing technical direction and practical expertise.
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, with the ability to translate complex regulatory requirements into clear and actionable guidance.
- 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.
- Knowledge of Canadian payments regulations, including FINTRAC, PCMLTFA, and provincial money services business requirements, is a plus.
- Experience with emerging payment models such as embedded finance, fintech platforms, digital wallets, earned wage access, or marketplace payments is advantageous.
Benefits
- Base salary of approximately $145,000, with final compensation dependent on job-related knowledge, skills, and experience.
- 100% employer-paid health insurance for employees, including medical, dental, vision, and life insurance.
- Employer 401(k) matching.
- Generous and flexible paid time off.
- Opportunity to work in a rapidly growing payments and financial services environment.
- Individual contributor position with significant ownership and influence across compliance, risk, onboarding, and governance.
- Equal opportunity workplace committed to fair consideration of qualified candidates.
How Jobgether works:
We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.
We appreciate your interest and wish you the best!
Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.
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