Senior Compliance Officer

Company Overview Join an award-winning team! AutoPayPlus was named a 2026 Orlando Top Workplaces winner by Orlando Sentinel Media Group. AutoPayPlus is a growing fintech company dedicated to improving the financial lives of everyday consumers. Since 2003, we've served more than 250,000 members and processed over $5.65 billion in loan payments through long-standing partnerships nationwide. Our mission is simple: help our members budget better, protect their credit, and become debt-free faster. We're also proud to have been recognized by the Orlando Business Journal as one of the Best Places to Work. With more than 20 years of success and continued growth, we offer a collaborative environment where employees can make a meaningful impact. At AutoPayPlus, you'll have the opportunity to work directly with executive leadership, strengthen compliance practices, and help guide responsible business growth while being part of a team committed to doing the right thing for our members, partners, and employees. Position Summary AutoPayPlus is looking for an experienced Senior Compliance Officer to lead our Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and sanctions compliance programs. This is a hands-on leadership position with significant responsibility and visibility across the organization. You'll oversee the development, implementation, and ongoing effectiveness of our compliance programs while leading a small team and serving as the primary compliance contact for our sponsor bank partners. Reporting to the EOS Integrator, CFO, and COO, with regular reporting to the Board, you'll work closely with Operations, Technology, Finance, and other departments to ensure regulatory requirements translate into effective policies, procedures, and operational controls. You'll also lead risk assessments, customer due diligence, sanctions screening, suspicious activity monitoring, regulatory reporting, and audit remediation. Direct reports include the Junior Compliance Officer and Compliance Coordinator. We're looking for someone who has successfully led a BSA/AML program, brings strong regulatory knowledge and sound judgment, and is comfortable balancing detailed compliance oversight with team leadership and executive-level communication. What You'll Do Serve as AutoPayPlus' designated BSA/AML Officer, overseeing the design, administration, and effectiveness of the BSA/AML/OFAC compliance program. Maintain and update compliance policies, procedures, and the Compliance Management System. Conduct annual enterprise BSA/AML and sanctions risk assessments and present findings to the Board. Provide regular reporting to executive leadership and the Board on compliance activities, risks, findings, and remediation progress. Monitor regulatory developments and implement necessary changes to policies, procedures, and operational controls. Oversee Customer Identification Program (CIP) procedures, including identity verification, escalations, and account closure decisions. Manage customer due diligence (CDD), beneficial ownership, and enhanced due diligence (EDD) requirements. Establish and maintain customer risk-rating methodologies and escalation procedures. Define documentation requirements for expected customer activity and source-of-funds information. Sanctions Screening & Monitoring Oversee OFAC and watchlist screening processes, including onboarding, ongoing monitoring, and timely list updates. Establish screening thresholds, fuzzy-logic settings, and testing procedures to ensure screening effectiveness. Manage third-party screening vendors, including politically exposed person (PEP) screening. Evaluate screening controls, identify potential gaps, and implement corrective actions. Suspicious Activity Reporting & Risk Management Oversee suspicious activity and fraud monitoring controls, ensuring alignment with identified risks and regulatory requirements. Lead the internal Suspicious Activity Report (SAR) committee, including decisions, filings, and documentation within required timelines. Partner with Technology to strengthen data-quality controls and identify potential compliance issues. Maintain accurate records of investigations, escalations, decisions, and corrective actions. Sponsor Bank Relationships, Audits & Examinations Serve as the primary compliance contact for sponsor bank partners. Lead sponsor bank compliance reviews and coordinate remediation efforts. Manage the annual independent BSA/AML review and ensure findings are addressed and documented. Coordinate regulatory examinations, audits, and third-party compliance oversight. Provide timely documentation and communicate significant findings to leadership. Lead, coach, and develop the Junior Compliance Officer and Compliance Coordinator. Establish clear team priorities, responsibilities, and performance expectations. Oversee companywide BSA/AML/OFAC training, including role-specific education, knowledge testing, and recordkeeping. Coordinate consumer compliance training covering UDAAP, GLBA privacy, and NACHA requirements. Strengthen compliance awareness, documentation practices, and collaboration across departments. Required Qualifications 8+ years of BSA/AML compliance experience within payments, money services, fintech, consumer finance, or banking. 3+ years of experience serving as a designated BSA/AML Officer or directly leading a BSA/AML compliance program. Hands‑on experience developing, implementing, and remediating CIP, CDD, beneficial ownership, EDD, OFAC, and SAR policies and procedures. Direct experience managing sponsor bank oversight reviews, independent BSA audits, or regulatory examinations. Strong working knowledge of the Bank Secrecy Act, USA PATRIOT Act, FinCEN CDD Rule, and OFAC requirements. Proven ability to translate regulatory requirements into practical policies, procedures, and operational controls. Demonstrated leadership skills with experience establishing priorities, guiding team members, and maintaining accountability. Strong analytical skills and sound judgment when identifying, evaluating, and escalating compliance risks. Excellent written and verbal communication skills, with strong attention to detail and documentation. Ability to communicate effectively with sponsor bank partners, auditors, executive leadership, and the Board. Must reside in the Orlando, FL area and be available to work fully onsite Monday through Friday, 9 AM to 6 PM. Preferred Qualifications CAMS certification strongly preferred; CRCM, CFE, or CCEP certifications are also valued. Experience with consumer compliance regulations, including UDAAP, GLBA, Regulation E, and NACHA Operating Rules. Background in ACH or payment processing. Experience building or strengthening compliance functions within a growing organization of 100–500 employees. Familiarity with EOS/Traction. Benefits & More Schedule: Full-Time | Monday through Friday, 9 AM to 6 PM Benefits Include: Paid time off, including vacation and sick leave Health, dental, and vision insurance Life insurance Short-term and long-term disability insurance Gym memberships or discounts Wellness programs Employee recognition programs Join AutoPayPlus and take a leading role in protecting our members, strengthening our compliance programs, and supporting the continued growth of an established fintech company. #J-18808-Ljbffr Better Talent