Compliance Officer

Compliance Officer

Mudflap serves the $800B trucking industry, the backbone of the U.S. economy. Our market-leading payment products help truckers save thousands of dollars on fuel (their #1 business expense), while providing our fuel stop partners with access to new, hard-to-reach customers. We're a fast-growing marketplace business looking for a new customer-obsessed teammate to join us on this exciting journey.

As our first internal Compliance Officer, you'll work closely with our executive team to define, implement, and manage the policies and procedures that ensure Mudflap operates with integrity, security, and full regulatory alignment. This is a unique opportunity to join a fintech company at a high-growth stage and help shape a function critical to our long-term success.

Work Location

We value in-person connection and have offices in both Palo Alto, CA and Austin, TX. While we prefer candidates located in these hubs for occasional meetings and team collaboration, we are open to remote team members who can travel periodically if needed.

To support our team, we offer:

• Commuter benefits to ease your travel

• Lunches and snacks to keep you fueled

• A collaborative, high-growth environment where you'll work closely with talented teammates across the company

Expectations (In this role, you will):

• Develop and manage compliance frameworks for commercial financing and deposit account programs, ensuring adherence to federal and state laws

• Work with Product and Legal teams to structure and review commercial financing and deposit account products to align with regulatory requirements, including disclosures, underwriting standards, and servicing practices

• Develop and maintain company-wide compliance programs and risk controls, including those related to underwriting, fraud, payments, privacy, and vendor oversight

• Stay current on regulatory requirements relevant to Mudflap's business (e.g. Reg B, FCRA, UDAAP, FTC, AML/BSA, PCI, data privacy laws) and lead implementation efforts where needed

• Partner cross-functionally with Legal, Product, Finance, and Operations to advise on compliance risks and embed controls into business processes

• Own the compliance training program for employees and support external audits and regulatory inquiries

• Establish monitoring systems to assess compliance risks across Mudflap's lending-related offerings and ensure timely remediation of any findings

• Establish and manage internal reporting mechanisms for potential violations or concerns

• Serve as a trusted advisor to the executive team and help foster a culture of transparency and accountability

Experience (What we look for):

• 8+ years of compliance experience in a fintech, payments, logistics, or regulated tech environment

• Deep knowledge of compliance frameworks relevant to financial services and/or marketplace platforms

• Proven ability to build compliance programs from the ground up and scale them

• Comfortable balancing structure with flexibility in a startup environment

• Excellent judgment, communication, and stakeholder management skills

• High integrity and a proactive, collaborative mindset

• Experience with AML/BSA programs or working with MSBs

• Familiarity with PCI DSS and privacy regulations (e.g., CCPA)

• Experience working closely with executive leadership and external counsel

• Background in legal, risk, or audit functions is a plus

Perks and Benefits (What we offer):

• Competitive salary and equity in a high-growth startup

• Multiple health benefit options

• Responsible Time Off

• 401(k) matching

• Opportunities and support for major career growth

• Annual Company offsite event (Mudfest!)

The salary range for this role is $130,000 - $170,000 plus equity. This information reflects a base salary range for this position based on current market data, which may be subject to change as new market data becomes available. The candidate's skills, experience, and other relevant factors will determine the exact compensation.

Company Overview (Who we are):

Mudflap is on a mission to transform the trucking and logistics industry by leveling the playing field for owner operators and small fleets. Backed by top-tier venture investors, including QED, Matrix Partners, Commerce Ventures, NFX, and 500 Startups and included in the Forbes Fintech 50 list, Mudflap offers fleet fuel management solutions. Our core team hails from Disney, Uber, Procore, DoorDash, Google, Meta, Capital One, Affirm and Brex.

Here are the core values that we believe in and look for in new teammates:

• Be Customer Obsessed: We deeply understand customer needs and put our customers at the center of everything we do

• Make it Count: Act like an owner by focusing on the impact of your work

• Find a Way: Be a creative problem solver who pushes past roadblocks to win for our customers and our teammates

• Sweat the Details: We keep our standards high and achieve them by paying attention to every detail

• Be Curious: Use a growth mindset to question assumptions, take calculated risks and stretch the boundaries of what's possible