Director of Compliance (USA) / BSA AML Officer

Trolley • Miami, FL

2d • Hybrid

About The Position

The Director of Compliance (USA) & Designated BSA AML Officer serves as the primary regulatory compliance leader for Trolley’s U.S. operations. Reporting directly to executives and coordinating closely with the Group Chief Compliance Officer, you will own the strategy, execution, and continuous optimization of our Money Services Business (MSB) compliance framework. In this role, you will be responsible for administering an enterprise-wide BSA/AML/OFAC compliance program, managing multi-state Money Transmitter Licensing (MTL) via NMLS, overseeing KYB/KYC onboarding processes, managing regulatory examinations, and maintaining strong relationships with banking partners and regulatory bodies.

Requirements

• 6+ years of progressive compliance leadership experience within a Money Services Business (MSB), licensed money transmitter, payments firm, or fintech banking institution.
• Deep operational expertise in the Bank Secrecy Act (BSA), USA PATRIOT Act, FinCEN regulations, OFAC sanctions, AMLA 2020, and state money transmission laws.
• Hands-on experience navigating the NMLS system, managing multi-state licensing applications, MU1/MU2 filings, and MSB Call Reports.
• Proven track record of managing state regulatory examinations (MTL exams) and independent third-party BSA audits.
• Familiarity with automated RegTech software, transaction monitoring systems, and B2B payout architecture.
• Exceptional risk judgment, clear written/verbal communication skills, and the ability to balance strict compliance standards with business growth goals.

Nice To Haves

• Certified Anti-Money Laundering Specialist (CAMS), CAMS-RM, or Certified Financial Crime Specialist (CFCS) highly preferred.

Responsibilities

• Serve as the officially designated BSA/AML Officer for U.S. operations, taking primary accountability for regulatory compliance under FinCEN and state regulatory authorities.
• Maintain, enhance, and implement a risk-based BSA/AML and OFAC Sanctions Compliance Program, ensuring alignment with the Anti-Money Laundering Act of 2020 (AMLA 2020) and modern regulatory expectations.
• Oversee customer due diligence (CDD), Enhanced Due Diligence (EDD), Know Your Business (KYB), and Know Your Customer (KYC) workflows, ensuring compliance with Beneficial Ownership rule sets.
• Manage the end-to-end Suspicious Activity Reporting (SAR) and Currency Transaction Reporting (CTR) processes, ensuring timely decisioning, thorough narrative drafting, and compliant filing with FinCEN.
• Lead FinCEN 314(a) search requests and participate in 314(b) voluntary information-sharing programs to combat financial crimes.
• Lead the acquisition, maintenance, and renewal of state Money Transmitter Licenses (MTLs) via the Nationwide Multistate Licensing System (NMLS).
• Oversee state reporting requirements, including NMLS Money Services Businesses Call Reports (MSBCR), financial disclosures, and regulatory notifications.
• Monitor state-by-state legislative and regulatory developments to ensure business operations adapt quickly to evolving money transmission laws.
• Serve as the primary point of contact for state regulators, FinCEN, IRS, and third-party independent auditors during annual BSA/AML examinations.
• Manage relationships with banking partners and payment networks (ACH, FedNow, RTP, Card Networks), maintaining compliance alignment with partner bank requirements.
• Ensure prompt remediation of audit findings, regulatory recommendations, or internal quality control gaps.
• Evaluate, test, and tune transaction monitoring systems, rules, and alert thresholds to effectively detect evolving money laundering patterns, fraud, and sanctions evasion techniques.
• Conduct annual enterprise-wide BSA/AML/OFAC Risk Assessments to evaluate emerging threats, new payment channels, and geographic exposure.
• Oversee compliance tech integration (sanctions screening tools, identity verification platforms, model validation).
• Develop and deliver role-based BSA/AML/OFAC training programs for employees, management, and the Board of Directors.
• Recruit, manage, and mentor U.S.-based compliance staff, building a high-performing and regulatory-conscious operations team.
• Provide actionable regulatory advice to product, engineering, and executive teams regarding new feature launches and market expansion.

Benefits

• Competitive salary and meaningful equity options (ESOP).
• Comprehensive healthcare benefits (medical, dental, vision, LTD) from day 1.
• 4 weeks paid vacation per year + public holidays (+ 1 extra day per year of service).
• 30 days remote work from anywhere program.
• Gym and wellness allowance.
• Summer 1/2 day Fridays.
• Company-provided Apple hardware setup (MacBook Pro + accessories).

What This Job Offers

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