Compliance Manager

Compliance Manager Full-Time Remote

We made a money+ app that gives everyone high-end rewards on every payment. Fluz aims to disrupt the payment experience by making it more social. Positioned at the intersection of social media, payments, and rewards, we are a fast-moving FinTech company experiencing significant growth. We sponsor H1B work visas.

Fluz operates a rewards-first embedded payments platform in partnership with sponsor banks, acting as Program Manager across card issuing, ACH, and money movement for both direct consumers and platform clients. As Compliance Manager, you will own the day-to-day execution of Fluz's compliance program — coordinating external audits and examinations, monitoring platform clients for approved use, managing bank partner reviews, maintaining the policy and procedure library, and clearing marketing material before it reaches the market.

This is a hands-on role for someone who is comfortable working directly with external auditors, sponsor bank compliance teams, and internal product and engineering stakeholders simultaneously. You will be the connective tissue between Fluz's regulatory obligations and how the business actually runs.

Audit & Examination Management

• Coordinate and manage all external third-party audits end to end, including scoping, evidence collection, auditor liaison, findings tracking, and remediation follow-through. This covers
• BSA / AML audits
• ACH (NACHA) audits
• Consumer compliance audits
• Model validation audits
• External and internal IT penetration testing
• SOC 2 examinations
• Serve as the primary point of contact for auditors and examiners, ensuring requests are answered accurately and on time.
• Track audit findings and recommendations to closure, coordinating remediation across the relevant internal teams.

Platform Client Monitoring

• Conduct continuous, ongoing auditing of platform clients to confirm they are using Fluz's services consistent with what was represented at onboarding and what was approved.
• Identify deviations between approved use cases and actual activity, escalate as appropriate, and drive corrective action.
• Maintain documentation supporting each client's approved scope and monitoring history.

Bank Partner Oversight

• Support and manage sponsor bank audits and oversight reviews, preparing responses and evidence for bank partner compliance teams.
• Perform and coordinate bank-driven policy reviews, ensuring Fluz's program remains aligned with sponsor bank requirements and expectations.

Policy & Procedure Governance

• Complete the annual review and update of all compliance policies and procedures.
• Maintain the policy and procedure library in Themis (or equivalent GRC platform), ensuring version control, approvals, and current documentation.

Marketing & Advertising Review

• Review marketing and advertising materials for compliance with applicable regulations and program requirements.
• Manage the submission and approval workflow for marketing materials with bank partners, tracking approvals and required changes.

Qualifications

• 5+ years of compliance experience in fintech, banking-as-a-service, payments, or a regulated financial institution.
• Working knowledge of BSA / AML, KYC / KYB, OFAC, and SAR requirements.
• Familiarity with ACH / NACHA operating rules and consumer protection regulations (e.g., Reg E).
• Direct experience managing or supporting external audits and examinations (BSA/AML, SOC2, IT, or similar).
• Experience working with or under sponsor banks / program partners in a Program Manager or bank partnership context.
• Strong writing and documentation skills, with a track record of maintaining policies and procedures.
• Highly organized, detail-oriented, and able to manage multiple concurrent workstreams and deadlines independently.

Preferred Qualifications

• Hands-on experience with a GRC / compliance management platform (Themis strongly preferred).
• Familiarity with card issuing programs, interchange, MCC controls, and network rules.
• Experience reviewing marketing materials for financial products and managing bank approval workflows.
• Relevant certifications such as CAMS, CRCM, or NACHA AAP / APRP.

Industry

• FinTech
• Mobile Applications

Why This Role Matters

Compliance is central to Fluz's ability to operate and grow its bank partnerships. This role keeps Fluz's audits clean, its platform clients within approved bounds, its policies current, and its bank relationships strong — directly protecting the company's licenses to operate.

EEOC

All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.

About Fluz

Fluz is a collaborative earning app that maximizes your money. Get cashback on everyday spends, earn even more by growing your circle, and make and receive payments with friends. Easy to join and free from hidden fees forever, Fluz gives you so many ways to make what you have go even further.