Head of AML Compliance

In this role, you will:

• Lead the development, implementation, and management of Payabli’s AML compliance program.
• Maintain and evolve policies and procedures in accordance with the Bank Secrecy Act (BSA), USA PATRIOT Act, OFAC regulations, and Payabli's sponsor bank requirements.
• Conduct AML/BSA risk assessments across products, partners, and customer segments.
• Oversee transaction monitoring systems and investigate potentially suspicious activity.
• Review alerts, conduct case investigations, and file Suspicious Activity Reports (SARs) with our sponsor banks as needed.
• Coordinate enhanced due diligence (EDD) reviews for high-risk partners or ISVs.
• Act as primary point of contact for sponsor banks and external audits concerning AML/BSA compliance.
• Prepare and submit required reports and documentation (such as SARs) to banking partners for submission to regulatory bodies.
• Ensure compliance alignment with evolving sponsor bank guidelines and industry standards.
• Partner with Product, Engineering, and Client Success teams to integrate AML controls into Payabli's platform architecture and customer onboarding flows.
• Educate and advise internal stakeholders and partners on AML risks and mitigations, including guidance during the underwriting and transaction monitoring processes.
• Deliver tailored AML training to internal staff, including periodic refreshers and onboarding modules.
• Develop guidance and policies for platform partners and ISVs to ensure ecosystem-wide compliance.

We’d love to hear from you if :

• Have a minimum of 8 years of AML/BSA experience in a fintech, payments, or financial services company.
• Expert understanding of AML regulatory frameworks including FinCEN, BSA, OFAC, and state money transmission requirements and reporting processes.
• Have hands-on experience with AML monitoring tools and case management systems.
• Have a working knowledge of automated underwriting, KYC, KYB, and transaction data analytics
• Are experienced interfacing with sponsor banks and financial institution partners, preferably from a payment facilitation or embedded payments environment.
• Are a self-starter who is comfortable in a matrixed organizational environment.
• Have strong analytical and written communication skills and can synthesize information quickly.
• Thrive in a fast-paced environment.
• Have an innate sense of humility and intellectual honesty with an open mind for feedback.
• Have a Bachelor's degree in Law, Business, Finance, or related field; advanced degree (JD, MBA) preferred.
• CAMS or CFCS certification (or equivalent) strongly preferred.

We think you'll love being part of our team because:

• At Payabli, you’ll be part of building a high-growth venture-backed fintech company. You’ll work directly with the Head of Risk to make a direct impact on the compliance roadmap of a scaling fintech platform.


We’re a values-driven company that cares deeply about our team, partners, and customers. Our north star values are:
•  Team First: We invest in our people to foster a vibrant culture where we all love coming to work everyday
• Customer Love: We go above and beyond to woo Customers so that they write us love letters
• Small Giant: We plan to build a massive business; however, we are also building a sustainable organization that has a strong sense of purpose and practices long-term thinking
• Run to the Fire: We embrace difficult situations and lean in when confronted with adversity. We don’t shy away from doing the right thing even if it's hard
• Bias for Action: We operate with urgency; we don’t leave for tomorrow what can be done today
• Little Things Count: We differentiate ourselves by focusing on the little things. We believe small but thoughtful considerations and gestures can have an outsized impact
• Punch Above our Weight: We don’t fear the competition, rather we see our nimbleness as a competitive advantage. We carry ourselves with confidence and conviction in our abilities
• Truth Seekers: We seek truth above pride and ego. We hold each other accountable with respect and in the open. We don’t talk behind each other’s backs. One team member’s problem is the whole team’s problem

What we can offer you:

• Executive level responsibilities that grow with the company as we scale
• Competitive base salary and strong upside potential
• Stock options with the potential to unlock more equity as we grow
• Flexible PTO and paid parental leave
• Medical, dental, & vision insurance
• 401K, HSA, pre-tax savings programs
• Option to be fully remote or hybrid
• Monthly education fund to spend on anything that enhances your skills or gets you one step closer to your passion goals