MLRO Compliance Lead: Multistate Licensing & AML/BSA

Mercuryo; United States; On-site; USD 140,000 - 190,000; Full time

Benefits offered by this job

Competitive salary

Health insurance

Flexible schedule

Remote work options

Professional development

Modern offices in 6 countries

Diverse team

Job summary

Mercuryo is seeking aCompliance officer with strong U.S. MTL experience to lead multi-state licensing and design an AML/BSA program for a growing fintech platform.

You will drive filings, regulator engagement, and day-to-day AML execution in a fast-paced environment. You’ll collaborate with Legal, Product, Marketing, Ops, Finance, Security, and Engineering to embed compliance into launches and operations, overseeing vendor relationships and ensuring regulatory readiness across multiple

Qualifications

• 7+ years in payments/fintech compliance with hands-on U.S. MTL licensing (multi-state).
• Strong AML/BSA program ownership and operational execution experience.
• Proven ability to lead cross-functional programs and produce regulator-ready documentation.
• Strong judgment, strong writing, and execution discipline.
• Experience with crypto / complex fund flows, collaborating with institutional partners, and surety bond management.
• Experience with multijurisdictional company, particularly EU would be an advantage.
• Prior experience serving as, or closely partnering with, a BSA/AML Officer.
• Management experience a plus.

Responsibilities

• MTL licensing strategy (applications + renewals) across states and coordination with internal/external teams.
• Lead MU1/MU2 filings and state add-ons (bonding, net worth, policies, forms).
• Manage deficiency responses and regulator questions; maintain examination readiness.
• Run licensing operations: renewals, amendments, reporting, rosters, and related processes.
• Coordinate CBC/fingerprinting/credit requirements for required individuals.
• Design and operate the AML/BSA program: risk assessments, policies, KYC/KYB/CIP, sanctions, monitoring, training, testing, recordkeeping.
• Partner with Legal, Product, Marketing, Ops, Finance, Security, and Engineering to embed compliance into launches and operations.
• Oversee compliance-related vendors (KYC/screening/monitoring, payments partners) including due diligence and ongoing oversight.

Skills

MTL licensing

AML/BSA program ownership

Cross-functional leadership

Regulatory documentation

Crypto/DeFi familiarity

Job description

Mercuryo is seeking aCompliance officer with strong U.S. MTL experience to lead multi-state licensing and design an AML/BSA program for a growing fintech platform.

You will drive filings, regulator engagement, and day-to-day AML execution in a fast-paced environment. You’ll collaborate with Legal, Product, Marketing, Ops, Finance, Security, and Engineering to embed compliance into launches and operations, overseeing vendor relationships and ensuring regulatory readiness across multiple