MLRO/Compliance officer

Mercuryo

41d•Remote

About The Position

Mercuryo is seeking a Compliance Officer with strong U.S. Money Transmitter License (MTL) experience to lead multi-state MTL acquisition and maintenance and to design and run a practical AML/BSA compliance program. This role owns the licensing roadmap, drives filings and regulator engagement, and ensures day-to-day AML execution scales with the business. The company is a recognized force in the fintech industry, focused on blending traditional banking with decentralized finance (DeFi) and providing seamless access to Web3 and traditional financial services. They have a global presence, an AI-first culture, and a commitment to growth and learning.

Requirements

7+ years in payments/fintech compliance with hands-on U.S. MTL licensing (multi-state).
Strong AML/BSA program ownership and operational execution experience.
Proven ability to lead cross-functional programs and produce regulator-ready documentation.
Strong judgment, strong writing, and execution discipline.
Experience with crypto / complex fund flows, collaborating with institutional partners, and surety bond management.
Prior experience serving as, or closely partnering with, a BSA/AML Officer.

Nice To Haves

Experience with multijurisdictional company, particularly EU would be an advantage.
Management experience a plus.

Responsibilities

Own and execute the multi-state MTL strategy (internal and external coordination, drafting/creating and implementing policies, resourcing, and timelines).
Lead NMLS MU1/MU2 filings and state add-ons (bonding, net worth/audited financials, policies, state forms, outside-NMLS items).
Manage deficiency responses, regulator questions, and examination readiness.
Run ongoing licensing operations: renewals, amendments, reporting, agent/authorized delegate rosters, key individual/control change notifications.
Coordinate CBC/fingerprinting/credit requirements for required individuals.
Build and operate the AML/BSA program: risk assessment, policies/procedures, KYC/KYB/CIP, sanctions, monitoring governance, SAR escalation/filing governance, training, independent testing, recordkeeping.
Maintain an audit-ready evidence library and clear operational workflows for investigations and escalations.
Partner with Legal, Product, Marketing, Ops, Finance, Security, and Engineering to embed compliance into launches and operations.
Oversee compliance-related vendors (KYC/screening/monitoring, payments partners) including due diligence and ongoing oversight.
Address ad-hoc compliance needs.