Head of Compliance
Gold Media Tech, LLC
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Job summary
Gold Media Tech, LLC is seeking a Head of Compliance to build and lead a world-class compliance program for a global fintech product. You will own the program in-house, collaborate with the CEO and executives, and drive cross-border onboarding, KYB/ KYC, and AI-enabled monitoring.
The role demands a strategic builder who can ship fast while maintaining regulator and partner trust. You will design scalable processes, lead regulatory exams, and ensure compliant growth across Latin America, Europe
Qualifications
- 5–10 years in compliance at a bank, card issuer or fintech.
- Techy, builder profile with data, systems and automation.
- Experience rolling out AI and automation in compliance.
- Strong KYB experience with multi-entity, multi-jurisdiction.
- Hands-on transaction monitoring for cross-border payments.
- Experience expanding a regulated product into new countries.
- AI fluency and governance over AI in compliance.
Responsibilities
- Anticipate Risk and Set the Guardrails: own the design and effectiveness of the program.
- Own the Enterprise Risk Assessment and keep it a living tool.
- Build Scalable Compliance Workflows: KYC/KYB, EDD, sanctions, monitoring.
- Earn Regulator and Partner Credibility: lead exams and audits.
- Lead and Influence: explain risks to leadership and defend decisions.
- Build the AI Layer for Compliance: automate with AI and collaborate with Engineering.
Skills
Tools
Job description
- AI & automation , Data Analysis , KYC/CIP/CDD/EDD
Our client is the card and AI concierge for the global 1%. Their clients are high-net-worth and mass affluent families, for now mostly in Latin America, who live global lives but can’t get US credit without an SSN or ITIN.
They have a unique B2B2C distribution playbook. They partner with some of the world’s largest private banks and wealth managers, and they distribute and refer our client’s branded cards to their international client base.
Besides the card, what makes them unique is their servicing model: everything happens right where the customer lives — in WhatsApp. Client service and concierge happen there, from booking flights and hotels to solving the most complex situations for their clientele.
They are not only building for the end user. They also build tools for financial advisors, who ultimately are the ones who refer their cards to their clients.
Our client hires people with a high sense of urgency who focus on delivering what matters. If you want to build the next global financial brand for the world’s elite, this is the place to be.
Our client is hiring a Head of Compliance to build and lead their compliance program. You’ll report directly to their CEO and co-founder, and work closely with the founders and the rest of the executive team.
This is a high-accountability, build-and-own role. You will own and be accountable for their compliance program in house, and be the gatekeeper who protects their clients, their bank partners and the company while keeping pace with how fast they ship product and enter new markets.
Our client serves some of the most global clients in the world: families who bank in one country, live in another and spend everywhere. Most of their clients are in Latin America today, and they are quickly expanding to serve clients in Europe and Asia-Pacific. That means cross-border onboarding, enhanced due diligence on high-net-worth clients, sanctions and PEP screening, and a growing list of jurisdictions, bank partners and card networks to answer to.
Your job is to build a compliance program that is as world‑class as the product. One that regulators, issuing banks and their private bank partners trust, and that lets our client grow into new products and new countries with confidence.
You’ll make sure our client stays compliant as they grow, and protect both the value they’ve created and the clients who trust them. Each product brings its own risks:
- Consumer card. Their flagship: a premium USD card for international high-net-worth families, with cross-border onboarding, enhanced due diligence and PEP and sanctions screening.
- Corporate card. For global companies, often with multiple layers of entities across countries. This calls for deep KYB expertise: beneficial ownership, complex structures and ongoing monitoring.
- Global account. Money moving across borders and currencies at scale, which makes transaction monitoring a core skill for this role.
You are a big-picture thinker who anticipates risk before it happens and sets the guardrails for it. You don’t wait for problems to show up; you see them coming, you design the controls, and you make sure the business can still move fast inside them.
You’re a builder‑operator: you’ll set the framework yourself, write the policies, run the first exams, then hire the team and the vendors to scale it. You have the regulatory depth to hold your ground with regulators and the judgment to make and defend decisions in real time.
Our client moves fast. They launch products, partners and markets on startup timelines, and compliance has to keep up. You’ll bring an AI‑first mindset to every process: automate what can be automated, keep people where judgment matters, and execute without waiting for perfect.
You’re also a translator. You can explain risk clearly to the CEO and the leadership team, and turn it into decisions, not just warnings.
You’ve built compliance programs at fintechs, and you know what financial crime looks like from the other side of the table. Some of your career has been spent where enforcement happens: a prosecutor’s office, a regulator, Treasury, FinCEN, law enforcement or a financial intelligence unit. You’ve seen how money laundering, sanctions evasion and fraud actually work, and how regulators and prosecutors judge a program once something goes wrong. Then you moved into fintech, payments or crypto and built the program yourself.
You’re engineer‑minded. You don’t just write policy; you put AI and automation into the actual work, including KYC, transaction monitoring, investigations and regulatory reporting. You keep people where judgment matters and keep quality control on everything the machines produce.
You’ve taken a regulated product into new countries: licensing, local regulation and the first conversations with regulators, banks and partners. You’re credible in a room with an examiner, a sponsor bank or a FATF delegation, and just as comfortable with their engineers.
- Serve as our client’s Head of Compliance, with independent authority over the design, execution and effectiveness of the compliance program.
- Track regulatory change across the US and every market they operate in, and translate it into what it means for their products, partners and roadmap before it becomes a problem.
- Review new products, markets and partnerships early, and set the guardrails that let them launch with confidence.
- Lead compliance for their expansion beyond Latin America into Europe and Asia-Pacific: local regulation, licensing paths, partner requirements and what each new market means for their program.
- Draft and maintain their enterprise risk assessment: show that they know their risks, have mitigating controls in place, and that residual risk, while it exists, is contained.
- Refresh it as the business changes, so it is a living tool for decisions, not a document that sits on a shelf.
- Build and run their BSA/AML, KYC, KYB and EDD, sanctions and PEP screening, and transaction monitoring programs for an international, high-net-worth client base.
- Write and maintain policies and procedures, training, testing and the annual compliance review.
- Provide compliance sign‑off on marketing materials, partner toolkits, client disclosures, onboarding agreements and product changes.
- Shape client onboarding with Product, Engineering and Client Service, building controls and monitoring that scale without slowing clients down.
- Lead change management: as products, partners and regulations evolve, make sure the program evolves with them.
- Be our client’s primary point of contact with regulators, and represent the program, their products and key compliance decisions with confidence.
- Lead exams and audits from regulators, issuing banks, card networks and their private bank partners.
- Oversee key financial partners and vendors from a compliance standpoint.
- Explain clearly what their risks are to the CEO and the leadership team, and give them a point of view on what to do about them.
- Make and defend compliance decisions in real time, and hold a position with senior stakeholders when it matters.
- Hire and develop the compliance team as they scale.
- Use AI and automation to run the program at a very high pace, from regulatory tracking and policy drafting to case review and monitoring, while owning the quality control on everything that comes out.
- Partner with Engineering to build compliance into the product, not around it.
- 5–10 years in compliance at a bank, card issuer or fintech, with strong fundamentals and experience owning a compliance program or key parts of one.
- A techy, builder profile: you’re comfortable with data, systems and automation, and you’ve designed compliance workflows and processes with Product and Engineering, not just written the policies behind them.
- A track record of rolling out AI and automation in compliance (KYC/AML automation, transaction monitoring, investigations, regulatory reporting) with measurable results such as time saved, fewer false positives or faster reviews, and with clear governance over the AI itself.
- Strong KYB experience with corporate clients, including multi‑entity, multi‑jurisdiction structures and beneficial ownership.
- Hands‑on transaction monitoring experience for cross‑border payments and accounts: designing rules, tuning alerts and running investigations.
- Comfort operating at startup speed: you’ve scaled processes quickly with AI and automation, and you execute.
- Deep working knowledge of BSA/AML, OFAC sanctions, KYC and enhanced due diligence, and card network rules, and how to apply them to a real program.
- Direct experience leading regulatory exams and bank partner audits, and interfacing with regulators with confidence.
- A background in enforcement or regulation: former prosecutor, regulator or examiner, Treasury, FinCEN or law enforcement, or work advising them. You understand how cases get built and how programs get judged.
- Experience serving international clients: cross‑border onboarding, non‑US persons, PEPs and high‑risk jurisdictions.
- Experience expanding a regulated financial product into new countries or regions, ideally across Latin America, Europe and Asia‑Pacific.
- A sharp instinct for risk: you notice when a client, a transaction or a corporate structure doesn’t add up, and you dig in.
- A track record of building an enterprise risk assessment and the controls behind it.
- Sound, independent judgment: the ability to make and defend compliance decisions in real time, grounded in regulation, and to hold a position with senior stakeholders.
- Proactive by nature. You’ve built programs that prevented problems, not just clean up.
- AI fluency: you use AI tools in daily work, absorb new info at very high pace, and keep quality bar high.
- High agency and high urgency. Our client cares more about how fast you learn and grow than where you trained.
- KYC and KYB tools: For customer identity verification, corporate client verification and beneficial ownership checks.
- AML and transaction monitoring systems: For cross‑border payment monitoring, alert generation, risk detection and investigations.
- Sanctions and PEP screening tools: For screening clients and identifying exposure to sanctions, politically exposed persons and high‑risk jurisdictions.
- Enhanced Due Diligence (EDD) tools: For conducting risk assessments and due diligence on high‑net‑worth clients and complex corporate structures.
- AI and automation tools: For automating compliance workflows, investigations, policy drafting, regulatory tracking and reporting.
- Data and analytics systems: For reviewing transaction data, tuning monitoring rules, identifying patterns and measuring compliance performance.
- Case management and reporting tools: For managing investigations, documenting decisions, maintaining audit trails and preparing regulatory reports.
- Regulatory tracking and research tools: For monitoring regulatory changes across the US, Latin America, Europe and Asia‑Pacific.
- You’ve led compliance at a top fintech, card issuer or private bank (Amex, Nubank, Revolut, Ramp, Brex or similar).
- You’ve built a compliance program from zero to scale at a high‑growth company.
- You’ve worked in a bank partnership or program manager model, on either side of the table.
- You’ve used AI and automation to build and scale a compliance program in practice, not just in a pitch.
- CAMS or a similar certification.
- Fluency in Spanish or Portuguese.
- You’ve worked with Treasury, DOJ, FATF or Latin American regulators and financial intelligence units on policy or cases.
- You’ve written or spoken publicly about AML, sanctions or the future of compliance.
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