Senior Manager, Compliance Program & Governance

About the role

Coinflow's risk and compliance function has grown quickly across the US, Canada, and EU, and it now needs to mature from a collection of jurisdictional efforts into a coordinated, defensible group-level program. As our first Sr. Manager, Compliance Program & Governance, reporting directly to the Chief Risk Officer, you'll build the infrastructure that connects it all: regulatory change management, governance cadence, sponsor bank management, audit readiness, remediation tracking, product/tooling development, and second-line control testing. This role works as a direct extension of the CRO. The CRO is accountable for the program; you're accountable for making sure nothing falls through the cracks between intake and closure. When an issue lands (a sponsor bank finding, a regulatory change, an audit observation, a self-identified gap), you take it, build the plan, line up the right people across Underwriting, AML, Legal, Engineering, and Operations, and drive it to a documented close. Plainly: the CRO should never have to ask you for a status update. You should be the one bringing it. This is a building role at a rapidly scaling fintech, with a direct path to shaping how our program operates for years to come. To be clear about scope, this role does not own transaction monitoring tuning, alert investigation, SAR decisioning, or merchant underwriting; those sit with our existing first-line teams. It is not a regulatory expert role for any specific jurisdiction; the BSA Officer and the MLROs hold those mandates.

Responsibilities

• Own the policy, SOP, and control framework that governs the program across regions: version control