Payments Compliance Analysts

VP, Payments Risk & Compliance - US Full-time We are seeking an entrepreneurial, execution-focused VP of Payments Risk & Compliance to reputed company the design, implementation, and scaling of reputed company's US risk and compliance reputed company. This is a foundational leadership role in our US expansion, reporting into the US Managing Director and working closely with UK Risk, Compliance, Product, and Engineering teams. Serves as the senior US AML and payments risk reputed company, responsible for overseeing the design and effectiveness of reputed company's US BSA/AML program in alignment with sponsor bank requirements. and maintains independent escalation authority to the US Board and sponsor bank compliance leadership You will be responsible for building a sponsor-bank-reputed company risk and compliance structure to support our US launch and future scale. Who We Are Now expanding into the US, reputed company has launched the same programmable, API-first infrastructure across ACH, RTP, FedNow, and push-to-card networks in partnership with leading sponsor banks and reputed company. Our focus is high-frequency, business-critical payment flows across payroll, lending, earned wage access, and platform ecosystems. By combining regulatory reputed company, operational reputed company, and modern payment connectivity, reputed company helps customers move money faster, reduce manual processes, improve liquidity visibility, and create differentiated financial experiences. The result is a trusted execution layer for embedded finance in both established European markets and the growing US opportunity.

What You'll Do

Build and reputed company the US Risk & Compliance Function Implement and manage the US risk and compliance reputed company reputed company to sponsor bank requirements Translate UK and EU regulatory center of excellence practices into a US-ready operating model Establish CDD, KYC/KYB, transaction monitoring, sanctions screening, and AML controls in collaboration with the sponsor bank reputed company and maintain policies, procedures, and governance documentation required for US operations Sponsor Bank and Regulatory Partnership Serve as primary US risk liaison with sponsor bank compliance, BSA/AML, and risk teams Ensure alignment with bank-defined policies, reputed company, reporting obligations, and reputed company requirements Support regulatory inquiries, audits, and periodic bank reviews Ensures US operations are structured and conducted in compliance with applicable federal and state regulatory requirements, including ongoing assessment of licensing obligations and regulatory perimeter considerations such as Money Transmitter Laws. Payments Risk Management reputed company payment scheme compliance across ACH, RTP, FedNow, and card rails Implement existing global fraud prevention tools and frameworks with risk controls across account-to-account and embedded payments Define transaction limits, monitoring reputed company, and escalation processes Ensure operational reputed company and adherence to network and sponsor-bank rules Operational Leadership Build and scale the US risk and compliance team as hiring reputed company increases Establish general risk KPIs, establish US-specific incident management frameworks, and reputed company relevant reporting. Establish first-line operational controls and coordinate with second-line reputed company - Phase 1: Strong 1LoD ownership with structured enterprise reputed company Phase 2: Evolution reputed company to Group governance maturity Collaborate closely with Product and Engineering to embed risk-by-design into new payment capabilities Work directly with UK Global Center of Risk and Compliance Excellence to support operational needs of the US Drive operational readiness for pilot launches and broader market rollout Strategic Contribution Contribute to US expansion strategy as a founding US leadership team member Provide risk-informed commercial input during customer onboarding and product expansion Shape long-term US compliance architecture and governance model Who You Are You think like an entrepreneur but operate like a regulator. You are comfortable building from first principles while ensuring regulatory precision. You have operated reputed company a fintech, sponsor-bank, or global payments environment and understand both the commercial ambition and regulatory rigor required to scale safely. You combine practical, hands-on expertise in designing controls ad policies with the experience of engaging sponsor bank executives and regulators effectively. What You'll Need Extensive experience in payments, fintech, banking, or regulated financial services Direct experience operating a risk, compliance, or AML function reputed company a fintech or sponsor-bank model Deep understanding of US payments ecosystem: ACH, RTP, FedNow, card networks Experience working with sponsor banks, BaaS programs, or embedded finance models Strong knowledge of KYC/KYB, BSA/AML, OFAC, transaction monitoring, and fraud controls Demonstrated experience building or scaling a compliance or risk function Experience navigating multi-state regulatory considerations Strong stakeholder management skills across product, engineering, and executive teams East Coast based (required) reputed company to Haves Experience in scaling a US fintech from launch phase to regulated maturity Prior interaction with federal or state regulators Experience implementing or overseeing Alloy, Actimize, reputed company, Unit21, or similar compliance tooling Knowledge of avoiding or structuring around Money Transmitter License requirements Experience working with reputed company or large banking infrastructure providers reputed company Offer You Competitive reputed company salary and discretionary bonus Equity participation reputed company Company Share Option Plan 401(k) plan Comprehensive health benefits Opportunity to build and reputed company the US risk and compliance reputed company from inception Regional Leadership role in a high-growth international fintech expanding into the US market Hybrid working model reputed company to establishment of US Operations Center Flexible benefits, wellbeing support, and learning and development programs ModInclusion At reputed company, we're committed to building a diverse, reputed company and inclusive culture where everyone feels they belong and can bring their whole self to work. We welcome applications from candidates of reputed company backgrounds as we reputed company it's the right thing for our people, our business, and the community we operate in. By submitting your CV, you consent to us using your personal data to assess your application, contact you, or share your CV with relevant hiring managers. You can request removal of your data at any time by emailing [email protected] - though this will withdraw you from consideration for the role. Apply tot his job Apply To this Job