Senior Compliance Officer

Senior Compliance Officer ABOUT US We are solving one of the most critical problems society faces today: A decline in financial optimism amongst young adults. Financial literacy has dropped to a 3-decade low. Only 8% of Americans are confident in their ability to make financial decisions. Fewer and fewer believe they’ll match or exceed the financial status of their parents. Enter Mine: The AI Personal Finance Company. We put a financial ally and the tools for financial success in the pocket of every young adult. Today, we help over 1,000,000 users confidently build credit, become personal finance experts, and find line of sight to financial independence. We’re backed by Kleiner Perkins, SV Angel, Y Combinator, and the founders of eight Unicorns, including Postmates, Public, and Checkout.com http://Checkout.com. In 2025, Mine raised a yet-to-be-announced Series A from top-tier investors to double down on our growth. We've built tools that are top-tier, easy as #$^% to use, and designed to empower our users to reach financial greatness: MoneyGPT: The world's leading AI Money Advisor. Connect your accounts and get personalized insights, alerts, and advice—tailored to your goals, not generic tips. The Mine Card: The first debit card that builds credit. The good parts of a credit card (build credit, awesome rewards) and the easy parts of a debit card (pays itself off daily, can’t spend more than you have in your bank account). We don’t charge interest or hidden fees. Mine Learn: Duolingo-style financial literacy lessons to learn about everything from insurance to inheritance tax. Mine Track: The easiest track and budgeting tool you’ve ever used. MoneyGPT insights + best-in-class charts for total clarity on your spending and credit. And lots more on the roadmap… WHAT YOU'LL BE DOING You'll be a key player on Mine's compliance team, helping us build and scale our compliance program as we grow. Reporting directly to our General Counsel, you'll own major pieces of our compliance operations—from customer due diligence and transaction monitoring to regulatory filings and marketing reviews. You'll work cross-functionally with our customer support and marketing teams, and externally with bank partners and vendors, to ensure we're meeting all regulatory requirements without sacrificing speed. We need someone who's detail-obsessed, strategically minded, and thrives in the organized chaos of a fast-growing fintech. WHAT YOU'LL OWN CUSTOMER DUE DILIGENCE & KYC - Oversee and optimize our automated CDD systems and agent review processes - Lead identity verification, risk assessment, and fraud detection efforts - Own and continuously improve our CDD/KYC/CIP policies and procedures TRANSACTION MONITORING & BSA/AML - Manage our transaction monitoring program and investigate high-risk alerts - Lead documentation and preparation of Suspicious Activity Reports (SARs) for our bank partner - Drive improvements to our transaction monitoring rules and fraud-prevention controls - Own our AML/BSA compliance framework and keep it battle-ready REGULATORY COMPLIANCE - Maintain compliance documentation for our full product suite and coordinate updates with our partner bank - Lead preparation of regulatory reports and manage relationships with FDIC-insured bank partners - Own recurring compliance deliverables (monthly, quarterly, annual) including: - Complaints and disputes - Testing & monitoring reports - AML/BSA reporting - CMS documentation - Lead compliance reviews for new products and feature expansions - Stay ahead of fintech regulatory developments and proactively adapt our program - Manage internal and external audit processes CUSTOMER SUPPORT - Oversee the customer support function from a compliance perspective - Serve as the go-to reviewer for compliance escalations - Manage FCRA disputes and BBB/CFPB complaints, including documentation and partner coordination MARKETING COMPLIANCE - Review and approve all marketi ... (truncated, view full listing at source)