Head of Payments Compliance
Modern Treasury
full-time
Posted on:
Location Type: Remote
Location: Remote • California, New York • 🇺🇸 United States
Visit company websiteSalary
💰 $150,000 - $250,000 per year
Job Level
Lead
About the role
- Lead the design and implementation of Modern Treasury’s compliance framework across AML/BSA, sanctions, fraud, and consumer protection.
- Serve as the designated BSA Officer, responsible for AML compliance, suspicious activity reporting, and program governance.
- Oversee compliance with bank partner agreements, including due diligence, audit coordination, reporting, and ongoing oversight.
- Develop scalable processes and systems to support potential future licensing regimes (e.g., MTLs, trust charters) while maintaining compliance through existing FBO and bank partnership structures.
- Advise the VP, Legal and executive team on compliance risks, regulatory trends, and program performance.
- Conduct and oversee enterprise risk assessments, control testing, and remediation.
- Ensure program readiness for participation in payments systems (FedNow, RTP, ACH) and emerging asset types such as stablecoins or tokenized deposits.
- Embed compliance requirements into customer onboarding, payment processing, and ledger operations.
- Collaborate with engineering to enhance transaction monitoring, sanctions screening, and case management tools.
- Evaluate and implement compliance technology solutions for KYC, data analytics, and transaction monitoring.
Requirements
- 10+ years of experience in compliance, risk, or regulatory roles in financial services, banking, or fintech.
- Deep expertise in BSA/AML, OFAC, and money transmission frameworks.
- Experience managing compliance programs involving bank partnerships, FBO structures, or money movement through regulated entities.
- Familiarity with compliance considerations related to stablecoins or other digital asset payment flows preferred.
- Strong understanding of financial partner management and third-party oversight.
- Proven ability to scale compliance operations through automation and technology.
- Excellent judgment, communication, and cross-functional collaboration skills.
- CAMS, CRCM, or equivalent certification preferred.
Benefits
- Offers Equity 📊 Resume Score Upload your resume to see if it passes auto-rejection tools used by recruiters Check Resume Score
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
BSA/AMLOFACmoney transmission frameworkscompliance technology solutionsKYCdata analyticstransaction monitoringrisk assessmentscontrol testingprogram governance
Soft skills
judgmentcommunicationcross-functional collaboration
Certifications
CAMSCRCM