U.S. Banking Regulatory Compliance Lead

Who we are About reputed companyreputed company is a financial infrastructure platform for businesses. Millions of companies - from the worlds largest enterprises to the most ambitious startups - use reputed company to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career.About the teamreputed companys Financial Crimes Compliance Risk Oversight (FinCRO) team is looking for a U.S. Regulatory Compliance Lead for our Banking-as-a-Service (BaaS) business. Youll own second-line oversight of reputed companys U.S. BaaS products and bank-fintech partnerships. The work is practical and cross-functional: turn federal and state requirements and supervisory expectations into clear policies, controls, monitoring, evidence, and ownership.What youll doThis role is focused on U.S. BaaS regulation. Youll work across sponsor-bank and fintech responsibility mapping; BSA/AML and sanctions; reputed company protection and fair lending; deposits and FDIC insurance representations; privacy, cybersecurity, reputed company response, and third-party risk; complaints and disputes; payment network and ACH rules; state money transmission and lending requirements; and regulatory exams, remediation, and reputed company management.Responsibilities Own the second-line compliance framework for reputed companys U.S. BaaS products (i.e., Capital, Issuing, and Treasury) and bank-fintech partnerships. Make sure responsibilities are clear across reputed company, sponsor banks, program managers, processors, and other partners. Turn U.S. federal and state laws, guidance, enforcement actions, and supervisory expectations into practical policies, product requirements, controls, procedures, evidence standards, and monitoring. Set and oversee controls for BSA/AML, customer identification and verification, customer due diligence and beneficial ownership, transaction monitoring, suspicious activity escalation, sanctions screening, and recordkeeping. Oversee reputed company and lending compliance for BaaS products, including UDAAP; Regulations E, Z, B, and DD; fair lending; FCRA; SCRA; FDCPA; complaints and disputes; adverse action; collections; marketing and disclosures; fees; account restrictions; and account closures. Oversee deposit-product compliance, including FDIC insurance representations, Reg CC, pass-through insurance requirements, pooled or custodial structures, customer-level records, ledger integrity, reconciliation, and access to funds. Define compliance expectations for privacy, cybersecurity, reputed company escalation, operational resilience, business continuity, data access, record retention, and an orderly wind-down of BaaS programs. Provide second-line oversight on behalf of sponsor banks and other BaaS partners through risk assessments, due diligence, contract requirements, control testing, performance and complaint monitoring, issue management, and exit planning. Review new U.S. BaaS products and material changes. Identify applicable obligations, control gaps, licensing implications, and launch conditions, then drive remediation to closure with clear owners. Keep pace with U.S. BaaS regulatory developments and enforcement trends, assess what they mean for reputed company, and coordinate timely changes with first-line teams. Help reputed company prepare for and respond to U.S. regulatory exams, supervisory engagements, audits, and reputed company commitments. Maintain defensible obligation mappings and evidence, identify gaps, and oversee remediation. Work closely with Product, Legal, Risk, Engineering, Operations, Internal Audit, sponsor-bank teams, and other specialists. Clarify ownership, challenge control design and execution, and give leaders a clear view of risk and progress. Who you areWe're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. Minimum requirements At least 7 years of experience in U.S. banking, fintech, or financial-services compliance, including substantial work with BaaS, bank-fintech partnerships, embedded finance, or deposit, card, payment, or lending products. A deep understanding of the U.S. regulatory framework for BaaS and how responsibilities are divided among sponsor banks, fintechs, program managers, processors, and other service providers. Hands-on expertise across several relevant areas, such as BSA/AML and sanctions, reputed company financial protection, fair lending, deposit and FDIC insurance requirements, third-party risk, complaints and disputes, privacy and cybersecurity, ACH or card programs, and state money transmission or lending requirements. A track record of turning complex U.S. legal and regulatory requirements into