Senior Compliance Officer

AutoPayPlus•Orlando, FL

1d•Onsite

About The Position

The Senior Compliance Officer serves as AutoPayPlus’ designated BSA/AML Officer and senior compliance leader, owning the design, administration, execution, and ongoing effectiveness of the company’s Bank Secrecy Act, anti-money laundering, and sanctions compliance program. The position reports directly to the EOS Integrator, CFO and COO, and provides regular reporting to the Board. It combines hands-on compliance program ownership with leadership of the Junior Compliance Officer and Compliance Coordinator. The Senior Compliance Officer is the primary compliance contact for sponsor bank partners and leads risk assessments, customer due diligence, sanctions screening, suspicious activity monitoring and reporting, training, audit remediation, and regulatory examination support. The role works with Operations, Technology, Finance, and other departments to translate regulatory requirements and sponsor bank standards into practical procedures and effective controls. The position is based in Orlando, Florida, and requires candidates to reside in the Orlando area and work fully onsite Monday through Friday; remote and hybrid work are not available.

Requirements

At least 8 years of BSA/AML compliance experience in payments, money services, fintech, consumer finance, or banking.
At least 3 years serving as a designated BSA/AML Officer or directly leading a BSA/AML program.
Hands-on experience writing, implementing, and remediating CIP, CDD, beneficial ownership, EDD, OFAC, and SAR procedures.
Direct experience with sponsor bank oversight reviews, independent BSA audits, or regulatory examinations.
Working knowledge of the Bank Secrecy Act, USA PATRIOT Act, FinCEN CDD Rule, and OFAC requirements.
Ability to translate regulatory requirements into clear, usable policies, procedures, and operational controls.
Strong leadership and collaboration skills, including the ability to establish priorities and hold team members accountable.
Sound judgment in identifying, communicating, and escalating compliance risks.
Excellent written and verbal communication skills and strong attention to documentation.
Ability to work effectively with bank partners, auditors, executives, and the Board.
Bachelor’s degree.
Must reside in the Orlando, Florida area and work fully onsite Monday through Friday.

Nice To Haves

CAMS certification strongly preferred.
CRCM, CFE, or CCEP certification.
Consumer compliance experience involving UDAAP, GLBA, Regulation E, and NACHA Operating Rules.
Background in ACH or payment processing.
Experience building a compliance function within a growing organization of 100–500 employees.
Familiarity with EOS/Traction.

Responsibilities

Serve as the designated BSA/AML Officer and oversee the design, administration, and effectiveness of the BSA/AML/OFAC program.
Own and maintain the BSA/AML/OFAC Policy, supporting procedures, and Compliance Management System, including required reviews and approvals.
Complete the annual enterprise BSA/AML and sanctions risk assessment and present results to the Board.
Report program status, findings, suspicious activity reporting, and remediation progress to executive leadership and the Board on an established schedule.
Monitor regulatory changes and coordinate updates to policies, procedures, controls, and business practices.
Maintain Customer Identification Program procedures, including escalation and decisions for unverifiable identities, conditional use, and account closure.
Own customer due diligence and beneficial ownership procedures for business customers, including high-risk entities, publicly traded companies, and nonprofits.
Establish customer risk-rating methodology and triggers for enhanced due diligence; define when expected activity and source-of-funds information must be collected and documented.
Oversee OFAC and watchlist screening at onboarding and on an ongoing basis, including timely list updates; establish and document match thresholds and fuzzy-logic settings; test screening effectiveness at least annually and address gaps.
Manage third-party screening vendors, including politically exposed person screening.
Maintain an inventory of suspicious activity and fraud monitoring controls and assess their effectiveness against identified risks and red flags.
Lead the internal Suspicious Activity Report committee and oversee SAR decisions, filing, and documentation within applicable regulatory timelines.
Partner with Technology to develop data-quality exception controls, including controls for invalid identifiers, date-of-birth anomalies, and duplicate identification numbers or addresses.
Maintain clear records of monitoring reviews, escalations, decisions, and corrective actions.
Serve as the primary compliance contact for sponsor bank partners; lead sponsor bank compliance reviews and coordinate remediation.
Coordinate the annual independent BSA/AML review and track findings through documented closure.
Support regulatory examinations, audits, and third-party compliance oversight; coordinate timely and accurate responses to documentation requests and communicate significant findings to leadership.
Lead and develop the Junior Compliance Officer and Compliance Coordinator, establishing priorities, responsibilities, and accountability.
Own companywide BSA/AML/OFAC training, including role-specific training, knowledge testing, and training records.
Coordinate consumer compliance training and oversee obligations involving UDAAP, GLBA privacy, and NACHA rules.
Promote employee awareness of compliance responsibilities and timely reporting of concerns; strengthen procedures, documentation, and cross-department collaboration.