Chief Compliance Officer / BSA Officer

OnHires • Columbia, SC

3d • Remote

About The Position

This is a senior, hands-on statutory role serving as the designated BSA Officer and Chief Compliance Officer of the company’s US Money Services Business. The role reports to the Board and works closely with the Global Chief Compliance Officer on the compliance framework and policies. The existing BSA/AML and OFAC programme includes policies, a risk assessment, SAR processes, sanctions screening, training records, and an independent review. The role is responsible for keeping the programme examination-ready and strengthening it to support US growth with banking partners, card acquirers, and new integrations. Filing, exit, and escalation decisions are made independently and are not subject to commercial approval. The role is expected to work quickly and collaboratively with Product and Operations.

The company is an established, profitable fintech operating across crypto and traditional payments. It provides a consumer on/off-ramp platform and B2B APIs and white-label solutions for exchanges, neobanks, PSPs, wallets, and other platforms. The group is authorised under MiCA and PSD2 in the EU, registered in Canada, and expanding its licensing footprint in Europe and the UK. Its US entity is registered with FinCEN as a Money Services Business. The company describes its culture as owner-led, high-ownership, and low-bureaucracy, with decisions made close to the founders.

The position is remote within the United States, with periodic in-person time at the European headquarters.

Requirements

• At least 7 years of BSA/AML compliance experience at a US-regulated financial institution, such as an MSB, money transmitter, bank, broker-dealer, or regulated fintech.
• At least 3 years as a designated BSA Officer, Deputy BSA Officer, or equivalent with filing authority; demonstrated ownership at that level is required, though a CCO title is not.
• Hands-on programme ownership at a crypto exchange, VASP, crypto-native MSB, or payments/fintech MSB; advisory-only experience is insufficient.
• Deep working knowledge of the BSA/FinCEN MSB regime, including 31 CFR Parts 1010 and 1022, SAR and CTR filing, the Funds Transfer and Travel Rules, MSB registration, and FIN-2019-G001.
• Direct experience drafting and filing SARs.
• OFAC sanctions experience, including crypto-specific exposure such as SDN-listed wallet addresses, mixers, and sanctioned exchanges.
• Experience preparing for and responding to examinations, independent reviews, or sponsor-bank due diligence.
• A clear track record of holding filing, exit, or programme-adequacy positions under commercial pressure.
• Hands-on use of AI tools in compliance work, such as alert triage, drafting support, or risk assessment.
• Fluent professional English and writing suitable for regulator and Board review without editing.
• Based in the US, authorized to work in the US without sponsorship, and willing to be named as BSA Officer to FinCEN and banking partners.
• Must complete a background check.

Nice To Haves

• Previous BSA Officer role at a crypto exchange, VASP, or crypto-native MSB.
• Hands-on blockchain analytics experience with Chainalysis, Elliptic, TRM, Scorechain, or equivalent.
• Direct experience with an IRS BSA examination or a FinCEN inquiry.
• Sponsor-bank or banking-partner relationship management for an MSB.
• Visa/Mastercard crypto programme and acquirer compliance exposure.
• State money transmitter licensing experience.
• Experience presenting to a Board, audit committee, or regulator.
• Exposure to cross-border compliance in the EU (MiCA), UK, or Canada.
• CAMS, CCAS, CFE, CRCM, or a comparable qualification.

Responsibilities

• Own the BSA/AML and OFAC programme, including policies, procedures, the enterprise-wide risk assessment, training, and alignment with the group compliance framework, applying stricter controls where US law requires them.
• Oversee fiat and on-chain transaction monitoring, alert disposition, investigation standards, and case documentation.
• Draft, approve, and file SARs within the 30-day timeline; conduct continuing-activity reviews and maintain SAR confidentiality.
• Oversee OFAC screening of customers, counterparties, wallet addresses, and geolocation; adjudicate matches and manage blocked and rejected transaction reporting and crypto-specific sanctions typologies.
• Respond to 314(a) requests, subpoenas, and law-enforcement requests, and manage 314(b) information sharing.
• Set KYC/EDD standards and customer risk ratings; approve high-risk and PEP relationships and make customer exit decisions.
• Oversee due diligence, configuration, and performance of KYC, screening, and blockchain-analytics vendors.
• Assess new products, payment methods, and partner integrations for BSA/OFAC risk before launch.
• Manage IRS BSA examinations, FinCEN inquiries, sponsor-bank audits, and the independent review; remediate findings with evidence.
• Manage FinCEN MSB registration and report programme status, filings, findings, and emerging risks to the Board.
• Make filing, exit, and escalation decisions independently and maintain the programme’s examination readiness.

Benefits

• Remote setup within the US, with periodic in-person time at the European HQ.
• Statutory role with real authority, direct Board access, and documented independence.
• Ownership of the US programme and the opportunity to shape its support for company growth.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed