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Director of Risk & Compliance
Overview
The Director of Risk & Compliance is responsible for leading enterprise-wide compliance, payments risk, and regulatory oversight functions. This role will develop and scale risk management frameworks, compliance programs, monitoring strategies, and operational controls across payment products while ensuring alignment with regulatory requirements, sponsor bank expectations, and industry standards.
This leader will partner closely with executive leadership, banking partners, auditors, and cross-functional teams to strengthen controls, leverage data-driven decision-making, and support business growth.
Key Responsibilities
Risk & Compliance Leadership
Develop and oversee enterprise compliance and payments risk programs.
Establish policies, procedures, and internal controls across payment operations.
Ensure compliance with NACHA, BSA/AML, OFAC, PCI-DSS, and applicable regulatory requirements.
Serve as a key contact for sponsor banks, auditors, regulators, and external partners.
Payments Risk Management
Lead transaction monitoring, fraud prevention, return rate management, and risk mitigation initiatives.
Establish risk thresholds and monitoring standards aligned with network and banking partner requirements.
Identify emerging risks and implement proactive controls to protect the portfolio.
Data & Operational Excellence
Utilize analytics, automation, and technology to improve risk monitoring and compliance effectiveness.
Develop reporting and KPIs related to fraud, returns, chargebacks, and compliance performance.
Partner with Product and Technology teams to enhance risk and compliance systems.
Drive continuous improvement initiatives that increase efficiency and scalability.
Audit & Regulatory Oversight
Manage audits, examinations, regulatory reviews, and remediation efforts.
Oversee compliance testing, quality assurance programs, licensing requirements, and regulatory reporting.
Ensure controls remain effective and aligned with evolving regulatory expectations.
Leadership & Team Development
Lead, mentor, and develop compliance and risk professionals.
Foster a culture of accountability, collaboration, and data-driven decision making.
Build scalable processes and organizational capabilities to support growth.
Qualifications
Required
10+ years of experience in payments risk, compliance, fraud, or related operational functions.
5+ years of leadership experience managing high-performing teams.
Strong expertise in ACH, NACHA rules, payments compliance, and risk management.
Experience leveraging data, reporting, and technology to improve operational effectiveness.
Excellent communication, analytical, and problem-solving skills.
Preferred
AAP, CAMS, CRCM, CFE, or similar industry certifications.
Experience within fintech, payment processing, acquiring, banking, or PayFac environments.
Familiarity with compliance automation tools, risk platforms, and advanced analytics solutions.
What Success Looks Like
Strong regulatory and compliance performance with successful audits and examinations.
Effective management of fraud, return rates, chargebacks, and operational risk.
Increased efficiency through automation and process improvements.
Actionable reporting and analytics that support informed business decisions.
Development of a high-performing, engaged risk and compliance organization.
Compensation & Benefits
Competitive compensation package including base salary, performance incentives, comprehensive health benefits, retirement savings plan, and paid time off.
Work Environment
Remote or hybrid role with occasional travel for audits, regulatory meetings, banking partner interactions, and team collaboration.
Education:Employment Type: CONTRACTOR