Director of Compliance

Director of Compliance

The Director of Compliance will become a hands-on leader responsible for building and managing Fluz's day-to-day compliance operations. This role will oversee several core areas of regulatory and operational compliance, including identity verification (KYC/KYB), transaction monitoring, disaster recovery, support of the Compliance Officer in the third-party audit, and RFI management. The role will eventually handle the following responsibilities as well: policy development, audit support, and vendor risk management/analysis.

This person will be a critical member of our internal risk committee, working closely with product, data, legal, and executive teams to ensure strong controls across all of our business lines. They will manage and grow a team currently consisting of 2 compliance analysts, scaling it to 5, with each team member owning a key functional area.

Identity Verification (KYC/KYB)

• Oversee CIP/KYC processes for consumers and KYB for business customers.
• Manage KYB backlog and lead review of international applications.
• Configure verification and screening settings with external vendors.
• Partner with product to design and implement KYC/KYB user journeys and controls.
• Own documentation and refinement of the identity verification process.
• Determine when to initiate and lead enhanced due diligence (EDD) reviews.

Support Compliance Officer with Policies & Risk Management

• Maintain, draft, and update compliance policies and procedures.
• Create and manage a risk register and conduct periodic risk assessments.
• Develop control mappings to ensure each risk area has aligned policies and procedures.

Transaction Monitoring with the Support and Guidance of the Compliance Officer

• Work with the data team to design, refine, and maintain transaction monitoring alerts.
• Oversee alert handling workflows and the team investigating flagged cases.
• Lead RFIs with customers related to suspicious transaction activity.
• Ensure coverage across all business lines and holistic user activity.

Disaster Recovery & Business Continuity

• Own and maintain business continuity and disaster recovery plans.
• Conduct annual tests and impact analyses to ensure readiness.

RFI Management – Customers

• Develop templates and playbooks for customer RFIs.
• Identify transaction triggers that prompt RFIs.
• Collaborate with account executives to ensure timely and accurate RFI responses.
• Escalate and lead RFIs involving suspicious or high-risk behavior.

RFI Management – Vendor Relationships

• Respond to RFIs from vendors and partners.
• Serve as the compliance point-of-contact for partner escalations.
• Proactively manage and remediate any concerns raised about customer behavior.

Support Compliance Officer with Vendor Risk Management

• Support due diligence efforts for new vendors.
• Maintain vendor risk assessments and lead annual review processes.

Support Compliance Officer with Third-Party Audits & Regulatory Inquiries

• Prepare and support annual BSA and sponsor bank audits.
• Coordinate responses to 314(a) inquiries, subpoenas, and exam requests.

Support Compliance Officer with Internal Audits & Testing

• Establish and manage an internal testing/audit program.
• Maintain audit logs and findings to support external audit readiness.
• Ensure critical business functions undergo regular internal reviews.

Fluz Internal Risk Committee

• Participate as an active member of the risk committee.
• Contribute to company policies and decisions on customer termination.
• Support approval processes for new or emerging risk areas.

Qualifications

• Experience managing or scaling a compliance operations team
• Deep familiarity with KYC, KYB, BSA/AML, transaction monitoring, and vendor risk management programs
• Proven experience leading audits and regulatory examinations, preferably within a fintech or banking environment
• Ability to translate regulatory and risk frameworks into clear, executable operational procedures
• Strong written and verbal communication skills, with the ability to explain complex compliance concepts to diverse stakeholders
• Comfortable working cross-functionally with legal, product, data, and external partners
• Experience operating in a fast-scaling startup or fintech environment
• Direct exposure to working with sponsor banks and/or card programs
• CAMS or equivalent compliance certification
• Familiarity with compliance and risk tools such as Alloy, Oscilar, Unit21, or similar platforms

Industry

• FinTech
• Mobile Applications

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.

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