US Chief Compliance Officer - Remote New Remote, USA

GoCardless Ltd; Greater London; Hybrid; USD 180,000 - 270,000; Full time

Benefits offered by this job

Wellbeing

Work away scheme

Adaptive Working

Parental leave

Learning Budget

Job summary

GoCardless, a Mollie company, is expanding its Regulatory and Compliance team. You will lead all US and Canada regulatory and compliance matters, developing a comprehensive strategy and deploying programs across the business.

This role is remote with some international travel. You will partner with product counsel and the global team to implement robust controls, manage examinations, and help GoCardless grow in North America.

Qualifications

• Experience managing compliance for US card programs and embedded payment products.
• Direct experience with US regulators and financial services regulation.
• Counsel product teams on regulatory impact and expansion plans.
• Experience drafting and implementing company-wide compliance programs.

Responsibilities

• Develop a comprehensive regulatory strategy for the US and Canada.
• Maintain licences and monitor changes in scope of products.
• Oversee AML/CTF and sanctions compliance programs in the US and Canada.
• Lead regulatory examinations, audits, and reporting.

Skills

Regulatory compliance

AML/CTF

Licensing strategy

Governance

Cross-functional collaboration

Regulatory audits

Job description

GoCardless, a Mollie company, is a global leader in bank payments. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect, manage and send bank payments through Direct Debit, real-time payments and open banking. With US$130bn+ processed annually across 30+ countries, we handle recurring and one-off payments without the chasing, stress, or expensive fees. Our end-to-end payment platform also features AI-powered solutions to improve payment success and reduce fraud, alongside connections to over 350 platforms businesses use everyday.
We are headquartered in the UK, with teams and operations spanning North America, Europe and Asia-Pacific. For more information, please visit www.gocardless.com and follow us on LinkedIn @GoCardless.
Mollie is the leading payments and financial services partner for business, rooted in Europe, with global reach.

Intro to the Regulatory and Compliance team

The Regulatory and Compliance team is responsible for supporting the regulatory and compliance aspects of our products and services and managing the compliant execution of our business. We work on exciting and challenging regulatory and compliance issues and pave the way for our company to deliver superb products in a compliant manner. We are at the forefront of GoCardless’ expansion in North America by paving the way with the right regulatory licensing strategy and the implementation of forward-thinking and appropriate processes and controls that require problem-solving and innovative thinking.

The role

You will be responsible for all US and Canada regulatory and compliance matters at GoCardless and entrusted with developing a comprehensive regulatory strategy and the deployment of the compliance programs. You will take a consultative approach and work closely with every business division and the global regulatory compliance team to implement and manage an innovative and practical, yet thorough, compliance regime that may include cross-border contractual setup with the regulated entities of the group.

What excites you

• Developing a comprehensive regulatory strategy for the US and Canada that is fit for GoCardless’ current business and strategic objectives
• Obtaining (if needed) and maintaining all requisite licences and authorizations (including managing of changes in scope of products and org)
• Managing regulatory oversight, controls, reporting and engagement for the US and Canada
• Managing regulatory examinations and audits
• Supporting corporate governance to maintain good standing and meet obligations
• In collaboration with product counsel and other members of the team, conducting regulatory assessments to identify regulatory risks and a path to compliance
• As the Compliance Officer, and in collaboration with the Global MLRO and the Financial Crimes team, overseeing and managing the implementation of the AML/CTF and Sanctions compliance programs in the US and Canada
• Supporting the implementation/localization of various compliance programs in the US and Canada
• Supporting the relevant regulatory and compliance training of the Board, executive management, and other employees
• Supporting the development of a network of banks and other partner financial institutions that underpin the operation of GoCardless’ products
• Providing advice and counsel to business and product groups relating to payment scheme rule compliance and other relevant regulatory requirements regarding compliance obligations

What excites us

We are looking for someone with experience in regulated financial services and passionate about helping us continue to innovate in the fast-paced fintech industry.

You may be an experienced financial services regulatory manager, coming from a larger organisation and looking for an exciting new challenge, or perhaps you have already been through a high-growth journey in a similar role, and are excited about taking on similar challenges in a company with a great culture.

We’d love to hear from you if:

• You have experience managing compliance for US card programs and embedded payment/finance products in a fintech or program manager capacity, including working with sponsor bank partners, card network rules (Visa/Mastercard), and regulatory frameworks such as BSA/AML, Reg E, and UDAAP.
• You have direct experience managing a regulated financial services company in the US.
• You can counsel and advise the business and product teams on how regulations impact the business’ products and expansion plans, helping the business to navigate a path forward.
• You have dealt directly with financial services regulation and regulators.
• You have experience in drafting, implementing and rolling out compliance plans, frameworks and policies across a company or department.
• You are easy to work with, and want to work in a fun, fast-growing but demanding young company.
• You can operate at a strategic level and demonstrate the value of compliance.
• You have strong communication skills and thrive in a collaborative team environment.
• You have experience interacting and building relationships with state regulators on MTL matters, and FinCEN on BSA matters.
• You have experienced a fast-growth journey.

We recognise that the most talented people have the most unusual backgrounds, so if you’re unsure, please apply. The role will be remote and will require a small amount of international travel.

Base salary range: $180,000 - $270,000

Base salary ranges are based on role, job level, location, and market data. Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work.

(some of) The good stuff

• Wellbeing - stay healthy with dedicated support and medical cover
• Work away scheme - gives you the option to work away from your country of residence for up to 90 days in any 12 month period
• Adaptive Working - allows you to work flexibly, around your lifestyle
• Parental leave - to suit everyone embarking on life's great adventure
• Learning Budget - lead your own development with an annual learning budget
• Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business-wide wellness days (‘GC Fridays’)

Life at GoCardless

We're an organisation defined by our values ; We start with whybefore we begin any project, to ensure it’s aligned with our mission. We make it happen, working with urgency and taking personal accountability for getting things done. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Our Values form part of the GoCardless DNA, and are used to not only help us nurture and develop our culture, but to deliver impactful work that will help us to achieve our vision.

Diversity & Inclusion

As of April 2025, we had 806 employees (GeeCees) globally, with 524 based in the UK, 163 based in Latvia and 119 across our other offices.

To ensure that we're representative of the world around us - and to be able to review relevant benchmarks - we ask GeeCees to voluntarily disclose diversity data. This year, the proportion of GeeCees providing data increased to 88% (up from 79% in 2024). With regards to diversity within GoCardless, we can see GeeCees identifying as:

Asian, Black, Mixed or Other — 25%

LGBTQIA+ — 9%

Disabled — 1%

Average age — 33

Female — 45%

We’re rooting for you during your application and GoCardless aims to provide reasonable adjustments to make our recruitment process as remarkable and accessible as we can. Please speak to your Talent Partner if you need extra support.

If you want to learn more, you can read about our Employee Resource Groups and objectives here.
Sustainability
We’re committed to reducing our impact on the environment, leaving a more sustainable world for future generations. Check out our sustainability action plan here.

Interested in building your career at GoCardless? Get future opportunities sent straight to your email.

At GoCardless we’re committed to fostering an inclusive and high-performance culture built on trust and transparency.

To ensure you have a clear understanding of the compensation and potential growth for this opportunity, we’ve shared the full base salary pay range for this role. Please note, our approach is to offer salaries between the minimum and mid-point of the range.

We want to manage expectations from the start, and if your application is successful you can discuss any questions around the pay range and salary with your Talent Partner.

At GoCardless, we believe in fostering a high-performance culture built on trust, which extends to how and where we work.

Ourhybrid approach is team-led, meaning your specific working pattern and office frequency will depend on the needs of your functional group. We encourage you to discuss these details with your Talent Partner to ensure our model aligns with your expectations.