Senior Manager, Global Compliance Program & Governance

Pantera Capital; Chicago, Northern (IL, KY); Hybrid; USD 180,000 - 210,000; Full time

Benefits offered by this job

Competitive base salary + equity

Health benefits

401(k)

Flexible time off

Direct CRO exposure

Growth in leadership

Job summary

Coinflow is seeking a Senior Manager, Compliance Program & Governance to scale our risk and compliance function across the US, Canada, and EU. You will own policy, governance, and second-line testing, coordinating with Underwriting, AML, Legal, Engineering, and Operations to drive issues to closure.

You’ll implement a cohesive, defensible program under the CRO, ensuring timely responses to regulatory changes, audits, and partner reviews while maintaining clear escalation paths and governance

Qualifications

• 5–10 years of experience in compliance, risk, audit, consulting, or related program management roles, with at least three years in fintech, payments, startups, or banking.
• Prior experience building or standing up a program from scratch or in a high-growth environment.
• Comfort holding people accountable without authority. You lead through clarity, persistence, and a willingness to be the one who says "I still need this from you" for the fourth time, professionally, without flinching.
• Strong project management instincts and a bias for visibility. You can hold five workstreams in your head, prioritize ruthlessly, and build lightweight structure.
• Compliance generalist fluency. You can read a regulation, a policy, or an audit finding and immediately understand what it asks for.
• Strong judgment about what matters. You can distinguish a material risk from a cosmetic gap and upscale accordingly.
• Based in or willing to relocate to Chicago; this role is in office four days per week.

Responsibilities

• Own the policy, SOP, and control framework that governs the program across regions: version control, approval workflows, attestation tracking, and refresh cycles. Make sure it holds up under testing.
• Harmonize policies across the US, Canada, EU, and future jurisdictions into group policy with local addenda where possible, and own the policy exception process end to end.
• Build and run an independent second-line testing and monitoring program for BSA/AML controls (CIP, KYC, CDD, EDD). Own the testing calendar, sampling methodology, and documentation so we walk into exams and bank partner reviews with evidence already assembled.
• Serve as the program-level owner for bank and payment partner relationships, integrating incoming requirements, controls, and reporting obligations into workflows that minimize disruption to first-line teams.
• Pre-review bank onboarding due diligence responses before they reach the CRO, and standardize the partner escalation guide so relationships are managed consistently.
• Own Risk change intake as the single front door for FinCEN, FINTRAC, EU AMLD, MiCA, sponsor bank, and card scheme changes. Triage, assign owners, and build execution plans. Nothing sits open without you knowing why.
• Lead audit and exam readiness. Maintain evidence libraries, response playbooks, and document rooms; coordinate responses to internal audits, sponsor bank reviews, and regulatory exams; and drive findings through to closure.
• Own the risk and gap register. Intake self-identified gaps and findings from partner due diligence reviews, assign owners, and drive items to closure with audit-ready evidence. If something is stuck, escalation before it becomes a finding.
• Design and operate the governance cadence, including our Risk and Compliance Committee, and chase committee action items until they're done.
• Prepare board-level reporting and maintain a command center that gives the CRO, CEO, and board a coherent view of program health across jurisdictions.
• Partner with Product and Engineering on tooling requirements that reflect our policies and SOPs, so workflows in our tools act as the SOP itself rather than a disconnected series of steps.
• Own rollout planning, acceptance criteria, and training for new tools so Risk and Compliance teams are ready to adopt them on day one.

Skills

Program management

Regulatory compliance

Audit readiness

BSA/AML controls

Cross-functional coordination

Policy governance

Stakeholder alignment

Job description

Coinflow is seeking a Senior Manager, Compliance Program & Governance to scale our risk and compliance function across the US, Canada, and EU. You will own policy, governance, and second-line testing, coordinating with Underwriting, AML, Legal, Engineering, and Operations to drive issues to closure.

You’ll implement a cohesive, defensible program under the CRO, ensuring timely responses to regulatory changes, audits, and partner reviews while maintaining clear escalation paths and governance