Chief Compliance Officer (CCO) – US FinTech
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Job Summary
Chief Compliance Officer (CCO) US FinTech
Location: United States Remote (US) or Hybrid (NYC / SF Bay Area / Austin / Miami). Open to candidates based in: NY NJ CT CA TX FL MA IL (and other states depending on client).
Reports to: CEO and/or Board (or General Counsel depending on structure).
Role Overview
The Chief Compliance Officer (CCO) provides enterprise-wide regulatory governance and oversight across a US FinTech organisation. This role ensures the design implementation and effectiveness of compliance programs across AML/BSA consumer compliance (UDAAP) regulatory reporting (SEC/FINRA where applicable) and state licensing requirements.
Key Responsibilities
- Own the enterprise compliance strategy and operating model; establish a risk-based compliance framework aligned to product and growth roadmap.
- Lead the BSA/AML program at an executive level including AML risk assessments governance escalation and SAR oversight (via Head of BSA/AML where applicable).
- Oversee consumer compliance governance (UDAAP disclosures complaints servicing) and advise product and marketing teams on regulatory risk.
- Manage regulatory relationships and examination readiness across federal and state oversight bodies (FinCEN CFPB state regulators; SEC/FINRA where applicable).
- Oversee compliance monitoring and independent testing; ensure remediation is tracked owned and closed with evidence.
- Lead regulatory change management and policy governance; ensure procedures training and documentation are current and audit-ready.
- Build and develop the compliance function (team structure hiring plan vendor oversight budget).
- Provide board-level reporting KRIs/KPIs and issue escalation; advise on governance controls and regulatory risk appetite.
Requirements
Required Experience
- 10 years in financial services compliance with senior leadership experience (FinTech payments digital banking lending or regulated FI).
- Direct experience owning or overseeing AML/BSA programs and interacting with regulators/examiners.
- Strong working knowledge of FinCEN expectations consumer compliance/UDAAP and multi-state regulatory obligations.
- Demonstrated ability to build scalable compliance operating models for growth-stage organisations.
- Exceptional stakeholder management with board-level communication capability.
Preferred Background
- CAMS or equivalent AML credential; JD or relevant regulatory qualification is a plus.
- Experience with SEC/FINRA reporting obligations (if applicable to the product).
- Track record leading a compliance function through rapid growth product expansion or multi-state licensing.
Benefits
Compensation Guidance
Typical US compensation: $220000 $350000 base plus bonus and equity depending on stage.
About MastarRec
MastarRec is a boutique executive search partner supporting regulated organisations across the UK and United States. Apply (Confidentially): Submit Resume via MastarRec.
Company Industry
IT Services and IT Consulting
Key Skills
- Compliance Management
- Risk Management
- Financial Services
- PCI
- Banking
- Cost Accounting Standards
- Quality Systems
- Research Experience
- NIST Standards
- Securities Law
- SOX
- ISO 27000
