US Deputy Compliance Officer
LemFi provides international payment products for immigrants, including multi-currency wallets, global money transfers, payment requests, and eSIM connectivity.
About LemFi
LemFi is a financial technology company offering international payment products designed to help immigrants thrive financially. Its services include multi-currency wallets, international money transfers to more than 30 countries, money requests and payment links, and eSIM connectivity. Transfers can be sent to bank accounts, mobile money, and other destinations, typically arriving within minutes.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
This role leads operational compliance for LemFi's US program, covering BSA/AML and consumer compliance. The position reports to the US Chief Compliance Officer, serves as a first escalation point, manages regulatory and sponsor bank obligations, and supports compliance reporting, risk assessment, and regulatory research.
Requirements
- 6 or more years of compliance experience in US payments, money transmission, fintech, or financial services.
- Hands-on experience in both BSA/AML and consumer compliance.
- Knowledge of BSA/AML requirements, FinCEN regulations, OFAC, SAR, and CTR processes.
- Experience with UDAAP, Reg E, and complaints management.
- Familiarity with multi-state money transmission compliance and state regulators.
- Experience with a sponsor bank or BaaS compliance structure.
- Strong written and verbal communication skills.
- Ability to work independently and manage competing priorities.
- Prior regulatory examination or supervisory matter experience preferred.
- Exposure to OCC-supervised institutions or consent order program management preferred.
- CAMS certification or near completion preferred; CRCM is a plus.
Responsibilities
- Run day-to-day BSA/AML operations, including SAR quality, FinCEN reporting, and transaction monitoring.
- Escalate material issues and deputize for the CCO when absent.
- Own consumer compliance operations covering UDAAP, Reg E, CAN-SPAM, and TCPA reviews.
- Maintain disclosures and manage complaints through resolution.
- Lead the consumer complaints program and propose root-cause fixes.
- Support multi-state money transmission compliance, licensing renewals, notifications, and examinations.
- Manage sponsor bank compliance commitments and track open items.
- Contribute to board and executive compliance reporting.
- Support the group-wide compliance risk assessment.
- Use AI tools for policy drafting, evidence preparation, and regulatory research.
Benefits
- Opportunity to make a meaningful impact on financial access for immigrant communities.
- Significant role growth as LemFi scales.
- Work with complex, high-impact compliance programs in a growing fintech.