Head of Compliance, Digital Products

About the role

Reporting to the VP of Compliance, who oversees both Xe and Dandelion, this compliance leadership role has a dual mandate across both businesses. Within Xe, this position serves as the most senior compliance leader for Xe in the US. Within Dandelion, the role serves as a strategic compliance partner to the platform business. This position participates directly in Board reporting, the AML Oversight Committee, and Dandelion's Risk StewardshipTeam. You'll be part of a fast-moving team where your contributions directly impact growth. We invest in our people with tools, mentorship, and opportunities to level up fast—whether that's moving into closing roles or leadership paths. You'll also play a key role in shaping how we go to market in the competitive payments space, using real insights and industry benchmarks to stay ahead of the curve.

Responsibilities

• Serve as the most senior Xe compliance contact in the US, leading external and multi-state examinations, audits and independent reviews end-to-end, including remediation.
• Manage Xe's banking relationships and act as the escalation point for the Operations team on high-risk cases and SARs, owning the US SAR program with the FIU.
• Ensure Xe's US products comply with all applicable regulations, partnering with Business and Product teams to embed requirements from design through launch.
• Advise Xe's business and product teams on new products, licensing and market expansion, accelerating growth initiatives across the US, with the remit expected to extend globally over time.
• Own complaints handling for Xe, ensuring alignment with CFPB expectations, and report program health, SAR trends and complaints to the AML Oversight Committee and Board.
• Act as the client-facing compliance lead for Dandelion with banks and prospective network partners, articulating capabilities and compliance expectations from the earliest discovery conversations.
• Review complex business cases and assess potential network participants, including partner risk profiles, payment flows and control environments across the Americas.
• Act as strategic compliance advisor to the Dandelion platform business on partner and business opportunity structures, including correspondent banking and payout models, and advise on whether opportunities should proceed.
• Participate in Dandelion's Risk Stewardship Team, reporting partner and network risk and emerging control issues.
• Own the US compliance policy framework across Xe and Dandelion, including policy maintenance, training and exception management, and support Operations, Product and Legal with practical guidance as new initiatives roll out.
• Monitor regulatory and market trends across Xe and Dandelion and communicate emerging risks and regulatory developments internally.