p> span> span> em> strong>Location: /strong>United States (Remote). br>This role is fully remote within the U.S., with occasional travel as needed. br> br> /em> /span> /span> span> span> span> span> span> span>Role Overview /span> /span> /span> /span> /span> /span> /p> p> span> span> span> span> span> span> span>We are seeking a highly experienced and strategic Chief Compliance Officer (CCO) to build and lead our U.S. regulatory compliance, BSA/AML, and financial crimes program from the ground up. This is a critical executive role responsible for architecting our compliance infrastructure, securing U.S. Money Transmitter Licenses (MTLs), and serving as the primary liaison with regulators, banking partners, and other oversight bodies. /span> /span> /span> /span> /span> /span> /span> /p> p> span> span> span> span> span> span> span>If you thrive in high-growth, high-ambiguity environments and enjoy building programs from scratch, this role offers the opportunity to define the compliance culture and strategy for the company from day one. /span> /span> /span> /span> /span> /span> /span> /p> p> br> br> span> span> span> span> span> span>Key Responsibilities /span> /span> /span> /span> /span> /span> /p> p> span> span> span> span> span> u> span>Program Leadership & Governance /span> /u> /span> /span> /span> /span> /span> /p> ul> li> span> span> span> span> span> span>Build the U.S. compliance department from the ground up including organizational structure, staffing strategy, technology roadmap, and governance frameworks. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Oversee and drive the design, implementation, and continuous refinement of all compliance programs, including AML/BSA, KYC, KYB, EDD, sanctions, fraud mitigation, consumer protection, and state regulatory requirements. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Serve as the company s BSA Officer, ensuring compliance with the Bank Secrecy Act, OFAC requirements, state money transmitter laws, and applicable federal guidance. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Lead the enterprise-wide AML/compliance risk assessment and implement controls proportionate to emerging risks across fiat, blockchain, and API-based financial products. /span> /span> /span> /span> /span> /span> /li> /ul> p> span> span> span> span> span> u> span>Money Transmission Licensing (MTL) Strategy /span> /u> /span> /span> /span> /span> /span> /p> ul> li> span> span> span> span> span> span>Lead, manage, and execute the U.S. Money Transmitter License (MTL) application process. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Build policies, procedures, and operational frameworks required for MTL approval and ongoing compliance. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Coordinate responses to regulatory inquiries, exams, audits, and ongoing reporting obligations for all U.S. states. /span> /span> /span> /span> /span> /span> /li> /ul> p> span> span> span> span> span> u> span>Policy & Procedure Development /span> /u> /span> /span> /span> /span> /span> /p> ul> li> span> span> span> span> span> span>Draft, formalize, and maintain a comprehensive library of compliance policies, SOPs, risk assessments, training materials, and regulatory filings. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Ensure all policies remain aligned with FinCEN, OFAC, state MSB/MTL requirements, and industry best practices. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Implement compliance-by-design into product flows, onboarding, verification, payments, wallet activities, and transaction monitoring. /span> /span> /span> /span> /span> /span> /li> /ul> p> span> span> span> span> span> u> span>Operational Compliance Oversight /span> /u> /span> /span> /span> /span> /span> /p> ul> li> span> span> span> span> span> span>Oversee day-to-day financial crimes operations, including transaction monitoring, blockchain analytics reviews, SAR/STR filings, sanctions screening, and high-risk customer escalations. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Manage compliance tools, vendors, and infrastructure—identity verification, sanctions screening, case management, blockchain analytics, and automated monitoring systems. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Own regulatory reporting, management information systems (MIS), testing, and internal/external audits. /span> /span> /span> /span> /span> /span> /li> /ul> p> span> span> span> span> span> u> span>Regulatory & External Relationship Management /span> /u> /span> /span> /span> /span> /span> /p> ul> li> span> span> span> span> span> span>Serve as the primary point of contact for U.S. state regulators, FinCEN, banking partners, auditors, and other supervisory bodies. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Lead all regulatory exams, audits, inquiries, and annual/state-required reporting. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Represent the company in industry groups, regulatory meetings, and compliance advisory forums. /span> /span> /span> /span> /span> /span> /li> /ul> p> span> span> span> span> span> u> span>Cross-Functional Leadership /span> /u> /span> /span> /span> /span> /span> /p> ul> li> span> span> span> span> span> span>Collaborate with product, engineering, legal, and operations teams to embed compliance controls in new products, features, and markets. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Advise the executive team and Board of Directors on compliance risk exposure, strategy, and regulatory developments. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Build and mentor a high-performing compliance and financial crimes team as the company scales. /span> /span> /span> /span> /span> /span> /li> /ul> p> br> br> span> span> span> span> span> span>Required Qualifications & Experience /span> /span> /span> /span> /span> /span> /p> p> span> span> span> span> span> u> span>Minimum Qualifications /span> /u> /span> /span> /span> /span> /span> /p> ul> li> span> span> span> span> span> span>10 years of experience in compliance, AML/BSA, and financial crimes within fintech, payments, digital assets, banking, or related regulated sectors. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Prior experience as a Chief Compliance Officer, BSA Officer, Deputy BSA Officer, or senior leader with full program ownership with a state regulated money transmitter. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Direct experience applying for and managing U.S. Money Transmitter Licenses (MTLs) and working with state regulatory agencies. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Proven ability to build compliance programs, teams, and operational processes from scratch. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Deep knowledge of FinCEN, OFAC, state MSB/MTL regulations, and applicable industry frameworks (FATF, AMLD, etc.). /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Extensive experience drafting policies, controls, risk assessments, and regulatory documentation. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Strong communication skills and comfort presenting to regulators, banking partners, investors, and senior leadership. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Ability to thrive in a fast-paced startup environment. /span> /span> /span> /span> /span> /span> /li> /ul> p> span> span> span> span> span> u> span>Preferred Qualifications /span> /u> /span> /span> /span> /span> /span> /p> ul> li> span> span> span> span> span> span>Experience with blockchain analytics tools (Chainalysis, TRM, Elliptic). /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Background with API-driven financial products, digital wallets, payment processors, or crypto platforms. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>CAMS, CRCM, CFCS, or other relevant compliance certifications. /span> /span> /span> /span> /span> /span> /li> li> span> span> span> span> span> span>Experience in both early-stage startups and scaled organizations. br> /span> /span> /span> /span> /span> /span> /li> /ul> span> span> span> span> span> span>Compensation and Benefits /span> /span> /span> /span> /span> /span> p> span> span> span> span> span> span> span>We believe great work starts with great support. Our team members enjoy competitive pay and a full range of benefits — health coverage (medical, dental, and vision), paid time off, and other perks that help you thrive in and out of work. /span> /span> /span> /span> /span> /span> /span> /p>When applying, mention the word CANDYSHOP to show you read the job post completely. This is a beta feature to avoid spam applicants. Companies can search these words to find applicants that read this and see they are human RMTg0LjE3NC4xMjYuNTAM
