Lead Analyst, Product Compliance

Circle (NYSE: CRCL) is one of the world's leading internet financial platform companies, building the foundation of a more open, global economy through digital assets, payment applications, and programmable blockchain infrastructure. Circle's platform includes the world's largest regulated stablecoin network anchored by USDC, Circle Payments Network for global money movement, and Arc, an enterprise-grade blockchain designed to become the Economic OS for the internet. Enterprises, financial institutions, and developers use Circle to power trusted, internet-scale financial innovation. Learn more at circle.com .
What you'll be part of:
Circle is committed to visibility and stability in everything we do. As we grow as an organization, we're expanding into some of the world's strongest jurisdictions. Speed and efficiency are motivators for our success and our employees live by our company values : High Integrity, Future Forward, Multistakeholder, Mindful, and Driven by Excellence. We have built a flexible work environment where new ideas are encouraged and everyone is a stakeholder.
As a Lead Analyst, Product Compliance supporting Circle's Payments product pillar, you will play a critical role in ensuring that products are designed, launched, and operated in alignment with regulatory expectations and internal compliance frameworks. You will partner closely with product, engineering, and operations teams to embed compliance throughout the product lifecycle by leading risk assessments, defining and validating control requirements, and driving cross-functional readiness for domestic and cross-border money movement and settlement capabilities as well as USDC access and treasury initiatives. In this role, you will identify emerging compliance and operational risks, develop forward-looking control approaches, and help shape the compliance technologies needed to support Circle's evolving liquidity and payments infrastructure. You will operate within the Product Compliance team and report to the Senior Manager, Product Compliance. In addition, you will play a dynamic role in supporting other product pillars as business needs evolve, applying compliance expertise across multiple product areas to ensure consistent risk management and enable compliant growth across Circle's ecosystem.
What you'll work on

• Lead end-to-end risk assessments for Circle Payments Network, managed payments, and regulated digital asset payment flows
• Oversee comprehensive assessments for the Payments Pillar, including compliance tooling, transaction traceability, scalability, governance, and regulatory alignment
• Drive cross-functional collaboration across the Payments program by partnering with Product, Legal, Policy, Security, Enterprise Risk, Treasury, and Engineering to ensure initiatives meet compliance and risk management standards
• Coordinate inputs and readiness across teams for new market entries and enhancements to existing payment rails
• Partner with Payments Product teams to embed compliance into product development by identifying regulatory and operational requirements early and developing proactive solutions
• Develop data-driven and AI-enabled compliance processes to enhance risk assessment velocity and efficiency
• Monitor market and regulatory developments in decentralized finance, programmable money, and global payments infrastructure, and evaluate their impact on Circle's liquidity and settlement activities

What you'll bring to Circle
Core Requirements

• Bachelor's degree in Finance, Business, and/or risk management
• 7+ years of experience in compliance, risk management, or related functions within a fintech, crypto, or payments company, including at least 3 years of product compliance experience
• Comprehensive knowledge of U.S. and global payments and financial regulatory compliance requirements, including payment networks, money movement, settlement, stablecoins, and virtual asset-enabled products
• Experience assessing compliance and operational risk in payment networks, managed payments products, or regulated payment platforms, including controls related to onboarding, transaction execution, settlement, exception handling, and ongoing monitoring
• Deep knowledge of virtual assets, blockchain/distributed ledger technology, and regulated digital asset payment models, including how stablecoins and network-based payment products operate in practice
• Ability to work cross-functionally with Product, Engineering, Legal, Policy, and Risk teams to support compliant product design and execution

Preferred Requirements

• Familiarity with the compliance implications of bank partnerships, payment intermediaries, network participants, and cross-border transaction flows
• Experience or familiarity with AI tools such as Codex and Claude to support compliance or risk workflows
• Knowledge of decentralized finance, decentralized identity, and other emerging web3 technologies

Circle is on a mission to create an inclusive financial future, with transparency at our core. We consider a wide variety of elements when crafting our compensation ranges and total compensation packages.
Starting pay is determined by various factors, including but not limited to: relevant experience, skill set, qualifications, and other business and organizational needs. Please note that compensation ranges may differ for candidates in other locations.
Base Pay Range: $140,000 - $185,000
We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status, or any other protected status required by the laws in the locations where we hire. Additionally, Circle participates in the E-Verify Program in certain locations, as required by law.
Should you require accommodations or assistance in our interview process because of a disability, please reach out to [email protected] for support. We respect your privacy and will connect with you separately from our interview process to accommodate your needs.
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