Chief Compliance Officer

Position Summary:

We are seeking an accomplished Chief Compliance Officer (CCO) to lead Coinme’s global compliance operations as a core member of the executive leadership team. The CCO will serve as the company’s senior-most compliance authority, advising the CEO, Board of Directors, and executive leadership on regulatory strategy, enterprise risk, and international expansion.

This role requires a seasoned executive with deep expertise in U.S. and cross-border financial regulation, AML/BSA strategy, and the development of scalable compliance environments. The CCO will own enterprise-wide compliance decision-making, set strategic direction, and ensure the company maintains the highest standards of regulatory integrity as it continues to grow.

Serving as the organization's Chief Compliance Officer, you will have deep expertise in international remittances, cross-border regulatory frameworks, and multi-jurisdictional compliance, with a proven track record of expanding financial services operations internationally. You will be part of the executive leadership team, a key advisor to the CEO and Board, and responsible for setting the company-wide compliance strategy.

The CCO will be responsible for oversight over Coinme's Anti-Money Laundering Program, OFAC, and Identity Verification Programs while supporting our international expansion. Working closely with our General Counsel on licensing and regulatory matters, the CCO will be responsible for building scalable compliance frameworks that support global growth while empowering a culture of compliance throughout the organization. We're looking for a tech-savvy, ethically minded leader who thrives in fast-paced, evolving regulatory environments.

What You’ll Be Working On (Your Impact):

Strategic Leadership & Program Development

• Own the enterprise compliance and risk management strategy, including risk appetite, compliance OKRs, and oversight of risk assessments across all business lines. Advise the CEO, Board, and Executive Team on the regulatory risks associated with strategic decisions and new product initiatives.
• In conjunction with Legal, remain up to date with current industry trends, innovations, and regulations, and adapt compliance strategies. This includes monitoring changes to legal requirements and ensuring the business makes all necessary changes to comply with state and federal law.
• Develop and implement compliance policies and procedures to ensure adherence to relevant laws and regulations.
• Serve as the BSA/AML Compliance Officer; lead the global AML/BSA Program, including policies, procedures, training, transaction monitoring, investigation management, SAR/CTR filing, and blockchain monitoring.
• Conduct annual strategic planning, including budgeting, resourcing, vendor management, and program improvements.
• Maintain current knowledge of evolving domestic and international AML/BSA regulations (FinCEN, OFAC, FATF)

AML/KYC Operations & Risk Management

• Oversee KYC processes, ensuring customer identification and verification procedures meet regulatory requirements
• Manage ongoing transaction monitoring to detect and report suspicious activities across multiple jurisdictions
• Supervise the SAR process, including investigation, documentation, and timely reporting to appropriate authorities
• Oversee transaction monitoring software, blockchain analytics, OFAC alert systems, and other compliance-related tools
• Lead investigation and escalation of high-risk transactions, implementing appropriate risk mitigation strategies
• Collaborate with IT, Operations, and Finance departments to ensure compliance controls are integrated into business processes

Regulatory Relations & Reporting

• Build and maintain executive-level relationships with federal, state, and international regulators, representing the company’s compliance culture and strategic direction at the highest levels.
• Serve as the primary point of contact with regulatory bodies, including FinCEN and state regulators
• Manage state and federal regulatory exams; prepare and submit required regulatory filings
• Update the Board and CEO regularly on program performance, key risks, trends, and areas for improvement
• Maintain relationships with U.S. and international regulators, law enforcement, and industry partners
• Support the General Counsel with licensing applications, renewals, and regulatory inquiries across jurisdictions

Audits & Vendor Management

• Lead compliance audits and manage relationships with external auditors, ensuring timely responses; remediation of findings and implementation of changes in any policy and procedures.
• Conduct due diligence on third-party vendors to ensure compliance standards are met
• Oversee ongoing monitoring of vendor relationships to mitigate compliance risks
• Maintain comprehensive records of all compliance activities, including audit trails, training records, and regulatory communications.

Team Leadership & Training

• Lead and scale a high-performing global compliance organization, including hiring senior leadership, establishing performance frameworks, resourcing for international expansion, and developing succession planning.
• Create a culture of compliance throughout the organization, including within Product, Engineering, Operations, and Leadership.
• Develop, approve, and deliver organization-wide compliance-based training to ensure all staff understand compliance obligations and applicable and relevant legal requirements
• Collaborate with market expansion and product teams to define compliance requirements for growth and innovation

What We’re Looking For:

• 10+ years in financial services compliance with 8+ years specifically in cryptocurrency exchange, payments, and/or international remittance industries
• Proven track record expanding financial services operations internationally with deep multi-jurisdictional AML/BSA expertise
• Experience building compliance programs in fast-moving startup environments
• Demonstrated experience briefing Boards of Directors and executive leadership on high-stakes regulatory matters
• Executive-level communication skills with the ability to influence outcomes at all levels of the organization
• Bachelor's Degree required; advanced degree (JD, MBA) preferred
• Certified Anti-Money Laundering Specialist (CAMS) required; additional certifications (CAMS-Audit, CFE, CFCS) a plus
• Deep subject matter expertise in reg-tech tooling and automated compliance controls
• Fluency in cryptocurrency and blockchain products, regulations, and industry concepts
• Extensive knowledge of U.S. banking regulations, FinCEN guidance, state money transmitter laws, and international frameworks (FATF, EU directives)
• Experience with cross-border payment systems and international wire transfers
• Exceptional analytical, problem-solving, and communication skills with strong executive presence
• Proven leadership in managing high-performing teams and Board-level reporting
• Highly motivated with demonstrated ability to navigate ambiguity and move fast

Not Required, But Nice to Have:

• Established relationships with regulatory bodies and industry organizations
• Previous Compliance Officer role at a regulated financial institution

Benefits & Perks:

• 100% remote workforce, must be located in the United States
• Discretionary time off - no accrual, no limits
• Equity ownership - share in our success as we grow
• Comprehensive health coverage, up to 100% employer-paid
• Transform how millions access financial services through crypto infrastructure