Lead Analyst, Product Compliance

About the role

Circle is seeking a Lead Analyst, Product Compliance to support the Payments product pillar. This role plays a critical role in ensuring that products are designed, launched, and operated in alignment with regulatory expectations and internal compliance frameworks.

Responsibilities

• Lead end-to-end risk assessments for Circle Payments Network, managed payments, and regulated digital asset payment flows
• Oversee comprehensive assessments for the Payments Pillar, including compliance tooling, transaction traceability, scalability, governance, and regulatory alignment
• Drive cross-functional collaboration across the Payments program by partnering with Product, Legal, Policy, Security, Enterprise Risk, Treasury, and Engineering to ensure initiatives meet compliance and risk management standards
• Coordinate inputs and readiness across teams for new market entries and enhancements to existing payment rails
• Partner with Payments Product teams to embed compliance into product development by identifying regulatory and operational requirements early and developing proactive solutions
• Develop data-driven and AI-enabled compliance processes to enhance risk assessment velocity and efficiency
• Monitor market and regulatory developments in decentralized finance, programmable money, and global payments infrastructure, and evaluate their impact on Circle’s liquidity and settlement activities

Requirements

• Bachelor’s degree in Finance, Business, and/or risk management
• 7+ years of experience in compliance, risk management, or related functions within a fintech, crypto, or payments company, including at least 3 years of product compliance experience
• Comprehensive knowledge of U.S. and global payments and financial regulatory compliance requirements, including payment networks, money movement, settlement, stablecoins, and virtual asset-enabled products
• Experience assessing compliance and operational risk in payment networks, managed payments products, or regulated payment platforms, including controls related to onboarding, transaction execution, settlement, exception handling, and ongoing monitoring
• Deep knowledge of virtual assets, blockchain/distributed ledger technology, and regulated digital asset payment models, including how stablecoins and network-based payment products operate in practice
• Ability to work cross-functionally with Product, Engineering, Legal, Policy, and Risk teams to support compliant product design and execution

Preferred Requirements

• Familiarity with the compliance implications of bank partnerships, payment intermediaries, network participants, and cross-border transaction flows
• Experience or familiarity with AI tools such as Codex and Claude to support compliance or risk workflows
• Knowledge of decentralized finance, decentralized identity, and other emerging web3 technologies

Benefits

Starting pay is determined by various factors, including but not limited to: relevant experience, skill set, qualifications, and other business and organizational needs. Circle is an equal opportunity employer and participates in the E-Verify Program in certain locations.