US Deputy Compliance Officer

📋 Description

• • We are building the financial infrastructure for the world's immigrant communities.
• • LemFi operates across roughly 21 countries, holds money transmission licences across the United States, and works within a sponsor bank structure.
• • Compliance here is a strategic function, not a checkbox, and the US programme is one of the most complex and consequential parts of the business.
• • This role sits at the centre of the US compliance operation, reporting to the US Chief Compliance Officer and covering both BSA/AML and consumer compliance.
• • You will be the operational lead on day-to-day compliance running, the first escalation point for the business, and the person who gives the CCO the confidence to focus on the most strategic and complex matters.
• • For the right person, this role grows significantly as LemFi scales.
• • Run the day-to-day BSA/AML operation: SAR quality, FinCEN regulatory reporting, and transaction monitoring, escalating material issues and deputising for the CCO when they are out.
• • Own the consumer compliance programme operationally: UDAAP, Reg E, CAN-SPAM, and TCPA reviews of marketing and advertising materials, plus disclosure maintenance and complaints intake through to resolution.
• • Lead the consumer complaints programme end-to-end, spotting systemic issues and proposing root-cause fixes rather than just closing tickets.
• • Support multi-state MTL compliance, including licence renewals, regulatory notifications, and examination preparation across all active LemFi US states.
• • Manage sponsor bank compliance commitments, keeping the status documented, open items tracked, and the CCO informed before things become surprises.
• • Contribute to US compliance sections of board and executive management reports, and support the group-wide compliance risk assessment.
• • Use AI tools to accelerate policy drafting, evidence pack preparation, and regulatory research, freeing your own capacity for the judgement calls that actually need you.
• • 6 or more years of compliance experience in US payments, money transmission, fintech, or financial services, with genuine hands-on depth in both BSA/AML and consumer compliance.
• • Solid working knowledge of BSA/AML requirements, FinCEN regulations, and OFAC, including direct experience with SAR and CTR processes.
• • Experience contributing to a consumer compliance programme covering UDAAP, Reg E, and complaints management, not just advising on it.
• • Familiarity with multi-state MTL compliance and the regulatory expectations of state money transmission regulators.
• • Experience working within or alongside a sponsor bank or BaaS compliance structure, and an understanding of how those relationships work under pressure.
• • Strong written and verbal communication: able to produce clear compliance guidance, policy documents, and regulatory correspondence that the business and regulators can both rely on.
• • Comfortable operating with limited day-to-day supervision, managing competing priorities across two compliance workstreams, and making sound judgement calls independently.
• • CAMS certification (or near completion); CRCM is a further plus.
• • Prior involvement in regulatory examinations or supervisory matters on BSA/AML or consumer compliance topics, including experience at an MSB, remittance company, or crypto firm.
• • Exposure to OCC-supervised institutions or programme management in a consent order context.
• • Love shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion. We're changing this.
• • At LemFi, you won’t be just a cog in a machine. Whether designing products, scaling operations, or telling our story, you’ll tackle complex challenges with real, immediate impact. Your work goes beyond metrics - it puts money back in families’ pockets and offers access to the previously excluded. Join us to make a meaningful difference, where high performance is a lifeline for millions.