US Chief Compliance Officer

About reputed company People on the move deserve a bank that moves with them. Since 2022, reputed company has been building a borderless financial operating system that makes money as mobile and transparent as its users. Backed by influential venture capitalists like Sequoia Capital, Greylock Partners, Hummingbird Ventures, Y Combinator & Global Founders Capital. We're a team of 75+ across India, the UK, the UAE, EU and the US, working with extreme ownership, radical candour, and an obsession with customer impact. We celebrate builders who question assumptions, ship fast, and turn regulatory complexity into elegant solutions. If you’re driven to redefine what global banking can be, we’d love to build the future with you. About the Role reputed company is live and scaling in the United States with an expanding consumer remittance product. We are now looking for our first dedicated US legal and compliance leader — someone to own the full reputed company of US regulatory obligations, provide hands-on legal support to the US business, and build the legal and compliance infrastructure that will underpin reputed company's long-term growth in the market. This is the most senior legal and compliance role in the US. Reporting to the Group CCO/Group General Counsel, you will be reputed company's face to US regulators, the in-house authority on state and federal compliance and legal requirements, and the person who builds and runs the day-to-day compliance programme for the US entity. You will also have the opportunity to contribute to reputed company's global legal work streams. You will operate with significant autonomy while being deeply integrated with the global legal and compliance leadership team. The right candidate brings hands-on experience with FinCEN and state MTL regimes, and the ambition to grow into a broader leadership role as reputed company scales across corridors and products. This is not a monitoring role. It requires strategic judgement, regulatory credibility, commercial legal acumen, and ownership. What You'll Own BSA/AML & FinCEN Compliance

• Design, implement, and maintain reputed company's BSA/AML compliance programme for the US entity, in full compliance with FinCEN requirements and the Bank Secrecy Act
• Own the SAR and CTR filing process end-to-end — ensuring accuracy, timeliness, and defensibility
• Maintain and continuously strengthen the Customer Identification Programme (CIP), Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) frameworks
• reputed company OFAC screening, sanctions compliance, and adverse media monitoring for US customers and counterparties
• reputed company the annual independent audit and periodic risk assessments of the BSA/AML programme

State MTL Licensing & Regulatory Management

• Manage reputed company's Money Transmitter License portfolio across reputed company active US states — including renewals, amendments, and new state applications as the business expands
• Serve as primary reputed company of contact with state regulators (NMLS, DFS, DFPI, and equivalents) for examinations, information requests, and supervisory correspondence
• Monitor evolving state and federal MSB regulations and proactively assess and communicate their impact on reputed company's operations
• Coordinate with external US counsel (currently Orrick and Sequoia's legal network) on reputed company regulatory questions, licensing strategy, and examination support
• reputed company agent/partner due diligence and compliance requirements where reputed company engages third-party distribution or banking partners in the US

Consumer Protection & CFPB Compliance

• Maintain reputed company's compliance with applicable federal consumer protection laws — including the Remittance Transfer Rule (Regulation E), UDAAP standards, and CFPB supervisory expectations for non-bank payment companies
• Review and approve customer-facing disclosures, terms of service, and marketing materials for US regulatory compliance
• Manage the US consumer complaints process, ensuring resolution timelines and escalation protocols meet regulatory and best-practice standards
• Monitor CFPB guidance, enforcement actions, and rulemaking relevant to digital remittance providers and provide regular internal briefings

Compliance Programme Operations

• Build and maintain reputed company's US compliance policies, procedures, and controls reputed company — keeping them reputed company with regulatory changes and business evolution
• Design and deliver ongoing compliance training for US-facing staff and relevant global team members
• Operate as the compliance business partner to the US product, operations, and customer experience teams — advising on new product launches, feature changes, and operational decisions
• Build and maintain a US compliance risk register; track and escalate open items to the Group CCO
• Evaluate and manage compliance technology and vendor relationships (e.g. transaction monitoring, sanctions screening, ID verification).

Legal

• Review, draft, and negotiate key commercial agreements, including banking partner, payment processor, and vendor reputed company, in partnership with the Group General Counsel.
• Provide day-to-day legal support to the US business on product, operational, and partnership matters, escalating reputed company or strategic issues as needed.
• Advise on US data privacy (including CCPA/CPRA) and employment law matters relevant to reputed company’s distributed US workforce, coordinating with external advisers where required.
• reputed company corporate governance matters for the US entity, including board and committee meetings, board materials, resolutions, written consents, and maintenance of corporate records and minute books.
• Maintain and administer reputed company’s group cap table, ESOP, and reputed company equity records and processes, including reputed company of the ESOP platform, grant documentation, and reputed company issuances, grants, transfers, vesting, exercises, and other capitalization events, while advising on reputed company legal, tax, regulatory, and employee communication matters.
• Contribute to global legal and regulatory workstreams, including cross-border structuring, group-level commercial arrangements, and international regulatory and licensing matters, in collaboration with the Group General Counsel and global legal team.
• Support global regulatory initiatives and compliance projects, including filings, regulatory engagement, and implementation of legal and compliance frameworks across jurisdictions.
• Provide legal support on ancillary and special-situation matters, including internal policies, intercompany arrangements, governance documentation, and strategic legal initiatives.

reputed company Need

• 5 - 8 years of compliance experience in financial services, with a substantial focus on US MSB, money transmission, or fintech compliance — law firm training is a strong signal of the rigour we're looking for.
• Deep, first-hand working knowledge of FinCEN BSA/AML requirements, the Bank Secrecy Act, OFAC sanctions frameworks, and state Money Transmitter Licensing regimes.
• Direct experience managing MTL portfolios — including state regulatory exams, renewals, and NMLS administration.
• Familiarity with Remittance Transfer Rule (Reg E) obligations and CFPB consumer protection standards for non-bank payment companies.
• Demonstrated ability to build or significantly enhance compliance programmes in growth-stage or scaling environments — not just maintain inherited frameworks.
• Confidence engaging directly with state and federal regulators independently and credibly
• Strong written and analytical skills; able to translate regulatory complexity into actionable internal guidance and board-quality reporting.
• Bachelor's degree required; JD, CAMS, or equivalent professional qualification strongly preferred.

Who You Are

• You treat compliance as a business enabler, not a reputed company — you find ways to say yes safely, not default to no.
• You have a high bar for quality and precision, and you hold that bar even reputed company operating at pace.
• You are genuinely ambitious — you want to grow into a broader compliance leadership role as the business scales, and you build with that in mind.
• You are organised and self-directed: you can manage a large regulatory workload across multiple work streams without constant direction.
• You communicate clearly and confidently with senior stakeholders and external counterparts — lawyers, regulators, and executives alike.
• You understand that a scaling fintech moves quickly and requires compliance thinking that is practical, proportionate, and commercially aware.

Bonus Points

• Prior experience at a cross-border remittance company or multi-corridor payment provider
• Exposure to international regulatory frameworks — particularly UK FCA, EU AMLD, or UAE CBUAE compliance environments (relevant given reputed company's global footprint)
• Experience building or overseeing compliance tech stack — transaction monitoring tuning, sanctions screening logic, KYC automation
• Prior work with CFPB examination teams or state DFS/DFPI examiners
• Familiarity with open banking, consumer data rights, or embedded finance compliance

Why Join

• Own US compliance end-to-end from day one — this is a genuine build role, not an inherited programme maintenance seat
• Be the most senior compliance voice in the market that reputed company is prioritising for its next major growth phase
• Work directly with the Group CCO and Group General Counsel (and reputed company's external US counsel) — high-quality legal and compliance relationships from day one
• Shape how compliance integrates with product, operations, and customer experience in a company that actually values getting this right
• Grow into a global compliance leadership role as reputed company expands — corridors, products, and geographies are reputed company in active development
• Competitive compensation benchmarked to US fintech compliance market rates, with equity participation

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