Location: United States – Remote (US) or Hybrid (NYC / SF Bay Area / Austin / Miami). Open to candidates based in: NY, NJ, CT, CA, TX, FL, MA, IL (and other states depending on client).
Reports to: CEO and/or Board (or General Counsel, depending on structure).
Role Overview
The Chief Compliance Officer (CCO) provides enterprise-wide regulatory governance and oversight across a US FinTech organisation. This role ensures the design, implementation, and effectiveness of compliance programs across AML/BSA, consumer compliance (UDAAP), regulatory reporting (SEC/FINRA where applicable), and state licensing requirements.
Key Responsibilities
- Own the enterprise compliance strategy and operating model; establish a risk-based compliance framework aligned to product and growth roadmap.
- Lead the BSA/AML program at an executive level, including AML risk assessments, governance, escalation, and SAR oversight (via Head of BSA/AML where applicable).
- Oversee consumer compliance governance (UDAAP, disclosures, complaints, servicing) and advise product and marketing teams on regulatory risk.
- Manage regulatory relationships and examination readiness across federal and state oversight bodies (FinCEN, CFPB, state regulators; SEC/FINRA where applicable).
- Oversee compliance monitoring and independent testing; ensure remediation is tracked, owned, and closed with evidence.
- Lead regulatory change management and policy governance; ensure procedures, training, and documentation are current and audit-ready.
- Build and develop the compliance function (team structure, hiring plan, vendor oversight, budget).
- Provide board-level reporting, KRIs/KPIs, and issue escalation; advise on governance, controls, and regulatory risk appetite.
Required Experience
- 10+ years in financial services compliance with senior leadership experience (FinTech, payments, digital banking, lending, or regulated FI).
- Direct experience owning or overseeing AML/BSA programs and interacting with regulators/examiners.
- Strong working knowledge of FinCEN expectations, consumer compliance/UDAAP, and multi-state regulatory obligations.
- Demonstrated ability to build scalable compliance operating models for growth-stage organisations.
- Exceptional stakeholder management with board-level communication capability.
Preferred Background
- CAMS or equivalent AML credential; JD or relevant regulatory qualification is a plus.
- Experience with SEC/FINRA reporting obligations (if applicable to the product).
- Track record leading a compliance function through rapid growth, product expansion, or multi-state licensing.
Compensation Guidance
Typical US compensation: $220,000 – $350,000+ base, plus bonus and equity depending on stage.
About MastarRec
MastarRec is a boutique executive search partner supporting regulated organisations across the UK and United States. Apply (Confidentially): Submit Resume via MastarRec. All applications handled confidentially. https://mastarrec.com/submit-your-cv/
