Senior Manager, Compliance Program & Governance

The role

You will build and manage a coordinated group-level compliance program and governance infrastructure. This includes regulatory change management, audit readiness, and second-line control testing across the US, Canada, and EU.

What you will do

• Own the policy, SOP, and control framework across regions
• Harmonize policies across the US, Canada, EU, and future jurisdictions
• Build and run an independent second-line testing and monitoring program for BSA/AML controls
• Serve as the program-level owner for bank and payment partner relationships
• Pre-review bank onboarding due diligence responses
• Own Risk change intake for various regulatory and bank changes
• Lead audit and exam readiness and coordinate responses
• Own the risk and gap register and drive items to closure
• Design and operate the governance cadence and Risk and Compliance Committee
• Prepare board-level reporting

Required qualifications

• 5–10 years of experience in compliance, risk, audit, consulting, or related program management roles
• At least three years in fintech, payments, startups, or banking
• Prior experience building or standing up a program from scratch or in a high-growth environment
• Comfort holding people accountable without authority
• Strong project management instincts and a bias for visibility
• Compliance generalist fluency
• Strong judgment about what matters
• Based in or willing to relocate to Chicago

Nice to have

• Prior experience supporting regulatory examinations or sponsor bank audits as a respondent
• Experience with multi-jurisdictional compliance programs, particularly across US, Canada, and EU regimes
• Prior experience designing or executing second-line testing programs for BSA/AML or equivalent AML regimes
• CAMS, CRCM, CFE, or equivalent certification

Benefits

• Competitive compensation including base salary and equity
• Direct partnership with the CRO and regular exposure to Coinflow's founders, leadership team, and board
• Comprehensive benefits, including health and wellness coverage, 401(k), and flexible time off
• A clear path to people management as the function grows

About the company

Coinflow is a payment service provider serving marketplaces, fintechs, remittance providers, gaming platforms, and ecommerce merchants worldwide. Headquartered in Chicago, the company focuses on global financial infrastructure using stablecoins and AI-driven fraud prevention.