Head of Business Risk & Controls

MoonPay Inc.; Northern (KY); Remote; USD 180,000 - 200,000; Full time

Benefits offered by this job

Competitive salary

Equity package

Equity bonus

Moonshot award

Pension

Remote work

Wellness membership

AI tools access

Lunch credit

Home office

Job summary

MoonPay is seeking a Head of Business Risk & Controls to establish and lead a strong first-line risk and control framework across fiduciary, custody, and regulated financial services activities in the US. You will design, implement, and monitor controls, ensuring governance and accountability as the business scales.

You will work with Risk, Compliance, Legal, and Internal Audit to assign ownership, strengthen controls, and drive remediation in a fast-scaling environment with significant

Qualifications

• 10+ years in US banking or regulated financial services.
• Experience designing and running first-line risk and control frameworks.
• Deep knowledge of US banking regulation and supervisory expectations.

Responsibilities

• Build and own the first-line risk and control framework across relevant MoonPay activities.
• Embed controls into business processes with clear ownership.
• Establish a robust control monitoring and testing program.
• Develop the framework supporting fiduciary, custody, and other regulated activities.
• Partner with Risk, Compliance, Legal, Internal Audit and business leaders across the three lines of defence.
• Build scalable control infrastructure to handle growing complexity.

Skills

First-line risk

Control framework

Regulatory knowledge

Stakeholder influence

Three lines of defence

Job description

About MoonPay

MoonPay is for builders with something to prove.

This isn't a "work on cool crypto stuff" company. It's a high-standards, high-velocity, high-accountability company building the operating system for value movement. If the internet moves information, we move value: crypto, stablecoins, tokenized assets, and whatever comes next. Four offerings make that real: fund, tokenize, trade, and spend. 30M+ customers and 500+ ecosystem partners run on us. Licensed in the U.S. Regulated across the UK, EU, Canada, and Australia.

AI is the default operating mode here. It's woven into every role, and we expect you to use it daily. It handles the manual work so you can deliver on what actually matters.

You'll thrive here if outcomes excite you more than process, if impact motivates you more than titles, and if you want hard problems, real ownership, and teammates who love winning, building, and doing it together.

The bar is high. The pace is real. We're building for what's next, for humans and agents.

Recent recognition

• Forbes' America's Best Startup Employers 2026 .

• 2nd in Crypto Services on Fortune's inaugural Crypto 100

• The Sunday Times Best Places to Work two years running

Research has shown that women are less likely than men to apply for this role if they do not have experience in 100% of these areas. Please know that this list is indicative, and that we would still love to hear from you even if you feel that you are only a 75% match. Skills can be learned, diversity cannot.

About the Opportunity

MoonPay is strengthening its control environment as part of its long-term strategy to build a robust, scalable, and compliant platform at the intersection of financial services and digital assets. We are hiring a Head of Business Risk & Controlsto build and lead a strong first-line risk and control framework across relevant areas of our business.

This is an opportunity for an experienced financial services controls leader to build and scale a control environment in a fast-evolving industry. You will be responsible for ensuring that risks are effectively identified, appropriate controls are designed and implemented, and their effectiveness is continuously monitored as MoonPay grows.

The role will have a particular focus on fiduciary, custody, and regulated financial services activities, requiring significant experience operating within the US banking environment and a strong working knowledge of applicable regulatory and supervisory expectations.

You will work closely with business leaders and with Risk, Compliance, Legal, Internal Audit, and other control functions to establish clear accountability, strengthen first-line ownership, and build a control environment capable of supporting an increasingly complex financial services business.

What You Will Do

• Build and own the first-line risk and control framework across relevant MoonPay activities, including risk and control assessments, control standards, documentation, governance, issue management, and ongoing monitoring of control effectiveness.

• Embed effective controls into business processes, translating regulatory requirements, policies, identified risks, and supervisory expectations into practical and sustainable controls with clear ownership and accountability.

• Establish a robust control monitoring and testing program, identifying control weaknesses, assessing their impact, driving remediation, and providing clear reporting on the effectiveness of the control environment.

• Develop the control framework supporting fiduciary, custody, and other regulated financial services activities, ensuring appropriate governance, processes, controls, and monitoring are embedded throughout the relevant business activities.

• Partner effectively across the three lines of defence, working with business leaders and independent Risk, Compliance, Legal, and Internal Audit teams to establish clear roles, effective challenge, timely remediation, and strong first-line ownership.

• Build for scale and increasing complexity, establishing the procedures, governance, reporting, systems, and operating cadence required to maintain a robust control environment as MoonPay evolves.

About You

• You bring 10+ years of relevant experience within US banking or regulated financial services, including significant leadership experience in first-line risk, business controls, operational risk, or a comparable control function.

• You have a proven track record as a builder and operator, with hands-on experience designing, implementing, and improving first-line control frameworks spanning risk assessments, control design, monitoring and testing, issue management, remediation, and governance.

• You have deep working knowledge of US banking regulation and supervisory expectations, with meaningful experience supporting fiduciary, trust, custody, transaction services, or closely related banking activities.

• You have a strong understanding of the three lines of defence model and experience establishing effective first-line ownership while partnering closely with Risk, Compliance, Legal, Internal Audit, and senior business stakeholders.

• You are comfortable operating in a high-ambiguity, fast-scaling environment, combining strong technical judgement with the ability to influence senior stakeholders and personally drive the development of robust control infrastructure from the ground up.

Salary: 180,000 - 200,000 USD
Salary is based on experience and location in the US

Research has shown that women are less likely than men to apply for this role if they do not have experience in 100% of these areas. Please know that this list is indicative, and that we would still love to hear from you even if you feel that you are only a 75% match. Skills can be learned, diversity cannot.

Benefits & Perks

• Competitive salary package

• Equity package: financial freedom starts with our employees, so all employees have ownership at MoonPay

• Pay-for-performance equity bonus: those who drive outsized outcomes receive outsized rewards

• Moonshot award: we honor exceptional impact. 20 employees a year, each earning a $250,000 equity grant

• Pension: employer contributions from day one

• Employee referral program: refer great people, earn 10K in USDC

• Flexible Time Off: choose when to work and when to switch off

• Recharge Period: end-of-year company-wide time off to rest and reset

• Birthday leave: take the day off to celebrate you

• Enhanced parental leave: more time with family, no second thought

• Hybrid working schedule: work fully remotely or from your nearest Moonbase

• Commuter benefits: public transport to and from the office

• Private healthcare benefits: to protect you and your loved ones

• Wellhub wellness membership: access to gyms, studios, classes, and wellness apps in one membership

• Enterprise access to the latest AI tools: Claude, ChatGPT, Gemini and whatever's next

• Lunch credit: meals covered on the days you're in the office

• Home office setup allowance: build the home office of your dreams

• Remote working allowance: those working fully remotely get a little extra for utilities

• Monthly product budget and zero-fee crypto transactions

• $1,000 Annual training budget: we support your learning journey

• High Potential Program: structured development, mentorship, and stretch opportunities

• Regular remote company offsites: high-impact in-person sessions and hackathons

• (Ireland) Cycle to Work scheme: tax-efficient bike, gear, and safety kit

• (UK) EV Salary Sacrifice: lease an electric vehicle through pre-tax salary