Compliance Officer (US MSB License)

RedotPay; United States; On-site; USD 120,000 - 180,000; Full time

Job summary

RedotPay is seeking a highly motivated Compliance Officer (BSA/AML) to own and scale our U.S. MSB regulatory program. You will serve as the subject matter expert on BSA, FinCEN regs, and state money transmitter requirements.

You will manage registrations, licensing, monitoring, and examinations, while building policies, controls, and training for cross-functional teams. The role requires 5+ years in compliance, strong analytical writing, and effective oversight across CIP, KYC, AML risk, and

Qualifications

• Bachelor’s degree in Law, Finance, or related field.
• 5+ years in compliance/BSA-AML in regulated finance or crypto.
• Deep knowledge of BSA, FinCEN MSB regs, OFAC, and crypto guidance.
• Experience with CIP, CDD/EDD, monitoring, SARs, and risk assessments.
• Proven liaison with FinCEN or state regulators preferred.
• Strong analytical, investigative, and written communication skills.

Responsibilities

• Be the primary contact for FinCEN and MSB regulators.
• Manage FinCEN registration, state licenses, and notifications.
• Monitor new regulations and industry best practices.
• Coordinate responses to regulatory inquiries and examinations.
• Design and oversee a risk-based BSA/AML program.
• Oversee CIP, CDD/EDD, and KYC processes.
• Oversee transaction monitoring and SAR filings.
• Maintain CTR compliance and records.
• Maintain BSA/AML risk assessments.
• Oversee OFAC sanctions screening.
• Develop and update policies and controls.
• Train operational teams on BSA/AML and policies.
• Keep policies current with regulatory changes.

Skills

Regulatory compliance

BSA/AML

FinCEN guidance

KYC/CDD/EDD

SAR filing

OFAC screening

Regulatory liaison

Analytical writing

Education

Bachelor's degree in Law/Finance/Business

Job description

RedotPay is a global crypto payment fintech that integrates blockchain solutions into traditional banking and finance infrastructure. Our user-friendly crypto platform empowers millions worldwide to spend and send crypto assets, providing faster, more accessible and inclusive financial services. We are dedicated to advancing financial

inclusion for the unbanked and supporting crypto enthusiasts, driving the global adoption of secure and flexible crypto-powered financial solutions. Join us in shaping the future of finance and making a meaningful impact on a global scale.

The Opportunity

We are seeking a highly motivated Compliance Officer (BSA/AML Officer) to own and manage the regulatory compliance framework for our U.S. Money Services Business (MSB) operations. This is a foundational role with the opportunity to build and scale our BSA/AML compliance function. You will be the subject matter expert on U.S. federal and state MSB requirements (including virtual currency activities), ensuring compliance with the Bank Secrecy Act (BSA) and FinCEN regulations.

Key Responsibilities

• Act as the primary point of contact for FinCEN and relevant state money transmitter / MSB regulators.
• Manage FinCEN MSB registration (including biennial renewals), state licensing, and required notifications.
• Monitor and analyze new regulations, FinCEN guidance (including virtual currency), and industry best practices.
• Coordinate responses to regulatory inquiries, examinations, and information requests.

BSA/AML Program Management

• Design, implement, and oversee a risk-based BSA/AML compliance program aligned with the four pillars of an effective AML program.
• Manage CIP, CDD, EDD, and KYC processes, including beneficial ownership requirements.
• Oversee transaction monitoring, investigate suspicious activity, and file SARs with FinCEN.
• Ensure CTR compliance where applicable and maintain related records.
• Maintain and update the company’s BSA/AML risk assessment (products, customers, geographies, and channels).
• Oversee OFAC sanctions screening and ensure sanctions compliance.
• Ensure compliance with the Recordkeeping Rule and Travel Rule for money transmission and virtual currency activities.
• Develop, implement, and maintain compliance policies, procedures, and controls tailored to U.S. MSB and virtual currency requirements.
• Ensure operational teams are trained on and adhere to BSA/AML and OFAC policies.
• Keep policies current with regulatory changes and emerging risks.

Internal Controls & Audits

• Design and implement internal controls to mitigate BSA/AML, sanctions, and fraud risks.
• Coordinate independent testing, internal/external audits, and regulatory examinations.
• Maintain documentation to demonstrate program effectiveness to regulators and auditors.
• Report periodically to senior management on the status and effectiveness of the BSA/AML program.

Qualifications & Experience

• Bachelor's degree in Law, Finance, Business Administration, Economics, or a related field.
• 5+ years of direct experience in a compliance / BSA-AML role within a regulated financial institution, fintech, MSB, or preferably a virtual currency / crypto-related entity in the United States.
• In-depth knowledge of the Bank Secrecy Act (BSA), FinCEN regulations for MSBs, OFAC sanctions, and FinCEN virtual currency guidance.
• Proven experience managing CIP, CDD/EDD, transaction monitoring, SAR filings, and AML risk assessments.
• Experience acting as a liaison with FinCEN and/or state regulators preferred.
• Strong analytical, investigative, and written communication skills; ability to work independently and with cross-functional teams.
• Professional proficiency in English (native or near-native preferred).