Compliance Lead

Gold Media Tech LLC; United States; On-site; USD 100,000 - 130,000; Full time

Job summary

A financial technology firm is seeking an experienced Compliance Lead in the U.S. This role involves overseeing daily compliance operations and managing regulatory compliance across multiple markets, including the U.S. and Brazil. The ideal candidate will have at least 4-7 years of experience in U.S. compliance and BSA/AML regulations, with strong communication and decision-making skills. This position requires collaboration with various departments and entails tracking compliance metrics and conducting regulatory reviews.

Qualifications

• 4-7+ years of U.S. compliance experience, especially in fintech or payments.
• Strong knowledge of BSA/AML, KYC, OFAC sanctions.
• Familiarity with regulatory environments in Latin America is a plus.

Responsibilities

• Oversee daily compliance operations and card application approvals.
• Support execution of BSA/AML programs and investigations.
• Execute regulatory reviews and track compliance issues.

Skills

U.S. compliance expertise

BSA/AML knowledge

KYC process understanding

Regulatory examination familiarity

Strong communication skills

Tools

Compliance tooling

Case management systems

Identity/KYC platforms

Job description

Role Overview

Our client is seeking an experienced Compliance Lead to oversee day-to-day compliance operations and support execution of our client’s regulatory and BSA/AML framework, with exposure to multiple international markets including the U.S., Brazil and Latin America. Reporting directly to the Chief Compliance Officer, this role is responsible for operational compliance oversight, customer and transaction risk decisions, and execution of regulatory and partner-bank reviews.

This position is well suited for a hands-on compliance professional who combines strong U.S. regulatory expertise with familiarity in cross-border or emerging-market compliance environments.

Key Responsibilities

Operational Compliance & Risk Decisions

• Oversee daily compliance operations, including review and approval of card applications, customer onboarding, and account changes.
• Serve as a primary escalation point for KYC, AML, and sanctions questions, providing guidance to operations, product, and customer support teams.
• Perform risk-based assessments of escalated customers, transactions, or merchants and recommend approval, restriction, or termination actions.
• Support execution of our client’s BSA/AML program, including Customer Identification Program (CIP), Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and ongoing monitoring.
• Assist with investigations into potential suspicious activity or sanctions concerns, and document findings and remediation actions.
• Maintain complete and audit-ready records of compliance reviews, approvals, and decisions.

Regulatory Reviews & Partner Oversight

• Execute internal compliance reviews, control testing, and operational assessments to ensure adherence to applicable regulatory requirements and partner-bank expectations.
• Support partner bank oversight, audits, and regulatory examinations (e.g., OCC, FDIC, Federal Reserve, or state regulators) and, where applicable, international or regional stakeholders.
• Track compliance issues, findings, and remediation efforts, reporting trends and metrics to the CCO.
• Assist in drafting, maintaining, and operationalizing compliance policies and procedures across all jurisdictions where our client operates.
• Monitor changes in applicable laws and regulations in the U.S. (e.g., BSA, USA PATRIOT Act, OFAC guidance) and other international markets, supporting timely implementation under CCO direction.
• Evaluate the effectiveness of compliance controls and recommend enhancements to address jurisdiction-specific risk.

Cross-Functional Collaboration & Training

• Partner with product, engineering, operations, and customer support teams to embed compliance requirements into systems and workflows.
• Support development and delivery of compliance training, including training relevant to cross-border operations and regulatory expectations.
• Assist in developing and tracking compliance KPIs and operational metrics.

Qualifications & Experience

• 4-7+ years of experience in U.S. compliance, BSA/AML, or financial crime within fintech, payments, or banking.
• Strong working knowledge of U.S. BSA/AML, OFAC sanctions, KYC/CIP/CDD/EDD requirements.
• Familiarity with Latin American regulatory environments, particularly Brazil, is strongly preferred (e.g., AML/CFT frameworks, local regulator expectations, or cross-border payments considerations).
• Experience supporting bank partnerships, regulatory exams, or third-party oversight programs.
• Proven ability to make sound, risk-based decisions in a fast-paced operational environment.
• Excellent written and verbal communication skills, with the ability to document decisions clearly for audit and regulatory review.
• Familiarity with compliance tooling, case management systems, and identity/KYC platforms strongly preferred.