Chief Compliance Officer

Overview

The Chief Compliance Officer (CCO) is responsible for designing, implementing, and leading a compliance program that enables innovation while ensuring regulatory and legal adherence. The CCO ensures that compliance is integrated into business strategy, allowing the company to develop customer-centric, compliant financial solutions without unnecessary friction.

What You’ll Do

• Develops a compliance framework that allows the company to build and scale innovative financial products within legal and regulatory guidelines.
• Advises leadership on how compliance can be a differentiator in the Earned Wage Access market.
• Tracks regulatory developments and proactively adapts compliance programs to stay ahead of potential challenges.
• Engages with regulators, industry groups, and policymakers to help shape the future of EWA regulations.
• Buils scalable compliance solutions that grow with the company’s expansion into new markets and product lines.
• Works hand-in-hand with product, engineering and design teams to ensure compliance is embedded into the product design process early, not just as a final approval step.
• Advise on structuring products to balance compliance with customer experience and market competitiveness.
• Ensures compliance processes are designed to be lightweight and efficient, reducing operational friction.
• Guide the management team on compliance strategy, ensuring that regulatory considerations are seamlessly integrated into business decisions and product innovation.
• Deliver clear, data-driven compliance reports to the Board, providing actionable insights on program effectiveness, regulatory trends, and key risk areas to support strategic decision-making.
• Develops a compliance-first culture where teams see regulations as guardrails for smart innovation, rather than roadblocks.
• Educates employees on practical compliance principles rather than overwhelming them with rigid policies.
• Works cross-functionally with leadership, legal, risk, and finance to align compliance strategies with business objectives.

Requirements

• 10+ years of experience in compliance, legal, or risk management roles within fintech, financial services, or adjacent regulated industries.
• Proven track record of building or scaling compliance programs in product-driven, fast-paced environments, ideally at a Series A–C stage and/or technology company.
• Strong working knowledge of U.S. consumer financial regulations, including those relevant to cash advances, lending, credit products, tradelines and payments.
• Experience designing and implementing AML/KYC programs, with knowledge of Bank Secrecy Act (BSA), OFAC requirements, and FinCEN guidance.
• CAMS certification (or equivalent AML credential) strongly preferred, particularly given the company’s expansion into credit card products requiring full KYC.
• Demonstrated ability to interpret and apply regulations pragmatically, enabling compliant solutions that support innovation and user experience.
• Experience engaging with state and federal regulatory bodies, auditors, and financial institution partners, with a confident and credible communication style.
• Comfortable working cross-functionally with product, engineering, legal, and operations to embed compliance into the product lifecycle.
• Familiarity with tooling for transaction monitoring, case management, and reporting.

Benefits And Perks

• 100% company-paid medical, dental, and vision coverage for you and your dependents on your first day of employment.
• Receive up to $100 per month in fitness reimbursement or enjoy a complimentary full membership to LifeTime Fitness or Equinox.
• 401(k) with a 3.5% match and immediate vesting.
• Meal program available for both lunch and dinner.
• Pre-tax benefits, including a $1,000 HSA match.
• Lifetime insurance and accidental insurance.
• Flexible PTO.