Fintech & Payments Risk & Compliance Lead

Florida Capital Bank; Jacksonville (FL); On-site; USD 120,000 - 180,000; Full time

Job summary

Florida Capital Bank seeks a Fintechs and Payments Risk & Compliance Officer to serve as the expert for regulatory compliance, risk management, and related activities supporting Specialty Banking clients.

You will conduct early-stage due diligence, evaluate regulatory and consumer compliance risks, and oversee ongoing program due diligence to ensure activities stay within risk appetite and regulatory permissions.

Qualifications

• Minimum of 5 years in banking compliance, risk management, or audit.
• At least 2 years in FinTech, BaaS payments, or third-party risk management.
• Experience with consumer compliance, UDAAP, privacy, and vendor oversight.
• Knowledge of FinTech regulatory agencies (FinCEN, OFAC, FDIC, FFIEC, OCC).
• Understanding banking operations and product/service structure.
• Professional designation with plan to certify within two years.

Responsibilities

• Conduct early-stage due diligence for SB clients, including risk assessments and controls.
• Evaluate regulatory and consumer compliance risks for FinTech relationships.
• Provide ongoing due diligence oversight of Specialty Banking clients.
• Coordinate with CRO, TPRM QB, and other SMEs during onboarding and monitoring.
• Interface with regulators and examination teams as needed.
• Support compliance during regulator examinations and audits.
• Represent Florida Capital Bank professionally and align with internal policies.

Skills

Regulatory compliance

Due diligence

Risk assessment

BSA/AML/OFAC knowledge

Vendor oversight

Cross-functional collaboration

Education

Bachelor’s degree in business or finance

CRCM/CAMS/CAFP certification or equivalent

Job description

Florida Capital Bank seeks a Fintechs and Payments Risk & Compliance Officer to serve as the expert for regulatory compliance, risk management, and related activities supporting Specialty Banking clients.

You will conduct early-stage due diligence, evaluate regulatory and consumer compliance risks, and oversee ongoing program due diligence to ensure activities stay within risk appetite and regulatory permissions.