Senior Compliance & Risk Manager

INGO MONEY INC

4d•Remote

About The Position

Ingo is seeking an experienced Senior Risk & Compliance Manager to own and drive compliance operations for our payments business. You’ll partner closely with internal and external partners, including Product, Operations, Sales, Legal, and our sponsor banks to operationalize and continuously improve compliance processes that enable modern money movement safely and at scale. This is a high ownership role for a self starter who operates with autonomy, exercises sound judgment, communicates proactively, and delivers outcomes. You will be the primary internal SME for payments compliance, driving regulatory adherence and compliance risk management across the lifecycle of our products and client relationships, balancing tactical responsibilities with strategic initiatives. You’ll lead through partnership, build trust with peers, shape decisions, and drive accountability across teams. If you thrive on collaboration, can connect strategy to action, and consistently move initiatives from intent to implementation, we’d love to talk.

Requirements

5 to 7+ years in payments/fintech/banking, or other regulated financial services with hands-on compliance ownership.
Experience with payments-related regulations and industry rules, such as Reg E, UDAAP, GLBA, BSA/AML, OFAC, ACH/Nacha
Proven ability to design, implement and own compliance processes, end to end.
Proven ability to guide peers, shape outcomes, and hold teams accountable through credibility, data, and strong relationships.
Strong communication and stakeholder management skills; proactive and out come driven.

Nice To Haves

Preferred certifications: AAP/APRP, CAMS, CRCM (or willingness to obtain)
Strong interest in the fintech industry and eagerness to grow within a dynamic organization.
Familiarity with banking systems, payments, and account or card processing strongly desired.
Strong verbal and written communication skills.
Self motivated, proactive, and eager to take initiative.
Customer and client focused.
Ability to work effectively in a fast paced, collaborative environment and manage multiple complex tasks simultaneously.

Responsibilities

Compliance Risk Management Primary ownership for day to day compliance processes related to Ingo’s Payments products and services, including risk identification, tracking, mitigation, and continuous improvement.
Maintain and enhance documentation of operational controls, issue management processes, and regulatory change monitoring.
Drive the implementation Compliance Management System within the Payments business, including risk assessment, control library, issue tracking, regulatory change monitoring, and stakeholder awareness and engagement.
Manage day to day tracking of compliance risks and issues.
Partner with internal and external issue owners to validate remediation plans and target dates, escalating unresolved risks as appropriate.
Ensure compliance policies and procedures remain current, effective, and aligned with regulatory and partner bank expectations.
Compliance Advisory & Stakeholder Engagement Serve as primary compliance advisor to Product, Operations, Sales, and Legal teams.
Own ongoing client monitoring and periodic risk assessment to ensure compliance with contractual and regulatory obligations Client Risk Management: Due Diligence and Ongoing Monitoring:
Partner with Revenue teams and internal subject matter experts to evaluate compliance risks for prospective clients in the sales pipeline, through reviews of use case and business models, anticipated transaction activity, and regulatory exposure.
Drive scalable processes for evaluation of client due diligence, and identification of risk indicators requiring further review.
For onboarded clients, develop and maintain risk based periodic monitoring and testing plans that assess adherence to communicated compliance standards.
Execute monitoring plans, perform risk-based testing, document results, and communicate findings to internal and external stakeholders.
Compliance Advisory & Sponsor Bank Engagement Serve as compliance advisor to internal teams across the lifecycle of client relationships and product development.
Translate complex regulatory and partner bank requirements into clear, actionable guidance; work with cross functional teams to operationalize compliance requirements.
Lead the rollout of new compliance processes and programs to key internal and external stakeholders, supporting adoption, clarity, and accountability.
Provide peer leadership, influence decisions, and shape cross functional outcomes while fostering a culture of compliance.
Act as a primary point of contact for sponsor bank requests related to the payments business, coordinating responses and documentation with internal teams and escalating to the Chief Compliance Officer as needed.
AML Program Support (as applicable, based on experience) Collaborate with AML investigators on reviews of unusual activity escalations and supporting documentation for partner bank reporting.
Assist with preparing or validating investigation narratives, analysis summaries, or supporting materials as applicable.