Director of Compliance

About the Company

Onerway is a fast-growing, cross-border payment service provider (PSP) delivering secure and efficient payment and corporate banking solutions to businesses worldwide. Headquartered in London, with offices in Los Angeles, Amsterdam, Singapore, Hong Kong and other key financial hubs, Onerway provides reliable, compliant and borderless financial infrastructure to support global business growth.

We operate under multiple financial licenses across key jurisdictions, including a UK Electronic Money Institution (EMI) license, European Payment Institution (PI) license, Hong Kong Money Service Operator (MSO) license, Singapore Major Payment Institution (MPI) license, and U.S. Money Services Business (MSB) registration.

We enable businesses to accept global card payments, supporting all major global card networks across credit and debit cards. Our infrastructure is designed to deliver high authorization rates, robust fraud controls, and seamless cross-border payment experiences.

As part of our continued expansion, Onerway is growing its presence in the United States. The company is registered as an MSB with the Financial Crimes Enforcement Network (FinCEN) and is in the process of obtaining and maintaining state-level Money Transmitter Licenses (MTLs).

We are seeking an experienced Head of Compliance to lead the development and oversight of the company’s U.S. regulatory compliance and financial crime program as we continue to scale our U.S. operations and payment infrastructure.

Role Overview

The Head of Compliance will be responsible for establishing and maintaining the company’s U.S. compliance framework, including BSA/AML compliance, regulatory governance, and financial crime risk management.

This role leads the MTL buildout across U.S. states, starting with Georgia / NMLS. Please note: this is an active, in-flight project — not a future-state initiative.

The role reports to the President of Onerway US, but will work closely with our global compliance team.

Working closely with senior leadership, banking partners, and regulators, the Head of Compliance will ensure that compliance and risk management practices are embedded into the company’s operations, product development, and partner relationships.

Key Responsibilities

Compliance Governance & Strategy

• Develop and maintain the company’s U.S. compliance framework in line with regulatory requirements and industry best practices.
• Maintain an enterprise compliance and risk management program aligned with regulatory obligations and the company’s risk appetite.
• Provide regular compliance reporting and updates to senior management and the board.

AML / BSA Program Oversight

Serve as the designated BSA Officer responsible for the company’s AML compliance program, including:

• Maintaining AML/BSA policies, procedures, and internal controls
• Customer Identification and Due Diligence (CIP / CDD / EDD)
• Transaction monitoring and suspicious activity detection
• Suspicious Activity Reporting (SAR) and sanctions screening
• Financial crime investigations and case management

Ensure the AML program remains effective and aligned with regulatory expectations and evolving industry standards.

Regulatory Engagement & Licensing

• Act as the primary liaison with U.S. financial regulators.
• Drive multi-state MTL strategy — managing sequencing, prioritizing states by business need, and working with external counsel/consultants.
• Support the company’s Money Transmitter License applications and regulatory filings through NMLS.
• Manage regulatory examinations, inquiries, and remediation processes.
• Maintain regulatory documentation and reporting requirements.
• A plus: stablecoin / digital asset regulatory readiness — given the upcoming proprietary stablecoin launch.

Cross-Border & Merchant Compliance

The JD is solid on BSA/AML but needs additional focus on the cross-border merchant complexity that defines our business today:

• OFAC screening and sanctions compliance for high-risk corridors.
• Merchant onboarding risk tiers for cross-border e-commerce sellers.
• Chargeback and fraud risk compliance frameworks.

Payments Network & Banking Partner Compliance

• Manage compliance relationships with sponsor banks, payment networks, and financial partners.
• Ensure adherence to card network and payment industry compliance standards — including Visa/MC rules and dispute frameworks.
• Support regulatory and partner due diligence processes.

Product & Operational Compliance

• Work with product, engineering, and risk teams to ensure compliance requirements are integrated into payment workflows.
• Review new products and services to ensure regulatory compliance prior to launch.
• Support compliance risk assessments for new markets and payment capabilities.

Risk Management & Monitoring

• Conduct compliance risk assessments across payments operations.
• Implement monitoring and testing programs to ensure ongoing compliance.
• Identify and mitigate regulatory risks related to merchant onboarding, payment processing, and cross-border transactions.

Third-Party Risk Management

• Conduct compliance due diligence on vendors, payment partners, and service providers.
• Oversee compliance requirements for outsourcing arrangements and third-party service providers.

Compliance Culture & Training

• Deliver compliance training programs across the organization.
• Promote a strong culture of regulatory compliance and ethical conduct.
• Provide compliance guidance to internal stakeholders.

Qualifications

• Bachelor’s degree in Law, Finance, Business, or related discipline, advanced degree (JD, MBA, or LLM) preferred;
• 10+ years of compliance, risk, or financial crime experience in financial services;
• Experience in payments, fintech, banking, or money services businesses;
• Experience with MSB-to-MTL transitions.
• Familiarity with card network compliance (Visa/MC rules, dispute frameworks) alongside payment rails.
• Preference for candidates who have worked at growth-stage fintechs, not just banks — the pace and build-from-scratch environment is very different.
• Experience interacting with U.S. regulators and managing regulatory examinations;
• Experience building or scaling compliance programs in high-growth financial services organizations;
• Strong working knowledge of Bank Secrecy Act (BSA) and AML regulations, FinCEN requirements, OFAC sanctions programs, state money transmitter regulations, payment network compliance standards;
• Preferred Certifications: CAMS — Certified Anti-Money Laundering Specialist, CRCM — Certified Regulatory Compliance Manager, CFE — Certified Fraud Examiner.