Chief Compliance Officer - BSA Officer (BSAO)
dLocalPayments company
United StatesDirector
General Atlantic
Addition
D1 Capital Partners
Tiger Global
Alkeon Capital Management
BOND
Legal & Compliance
About the role
TL;DR
Lead compliance, AML, and risk management for a US money services business.
- •Why should you join dLocal? dLocal enables the biggest companies in the world to collect payments in 40 countries in emerging markets.
- •Global brands rely on us to increase conversion rates and simplify payment expansion effortlessly.
- •As both a payments processor and a merchant of record where we operate, we make it possible for our merchants to make inroads into the world’s fastest-growing, emerging markets.
- •By joining us you will be a part of an amazing global team that makes it all happen.
- •Being a part of dLocal means working with 1000+ teammates from 30+ different nationalities and developing an international career that impacts millions of people’s daily lives.
- •We are builders, we never run from a challenge, we are customer-centric, and if this sounds like you, we know you will thrive in our team.
- •What’s the opportunity? We are seeking an US Chief Compliance Officer (CCO) to oversee all compliance, regulatory, anti
- •money laundering (AML), counter-terrorist financing (CTF), and risk management matters for our U.S. money services business.
- •The CCO will be designated as the compliance lead under state Money Transmission Licensing (MTL) requirements and will serve as the principal liaison with regulators across multiple states.
- •What will I be doing? Regulatory Leadership
- •Act as the designated compliance officer for state MTLs, responsible for ensuring compliance with all applicable U.S. federal and state regulations (e.g., Bank Secrecy Act (BSA), USA PATRIOT Act, OFAC, FinCEN requirements, and individual state money transmission laws).
- •Serve as the primary point of contact for state regulatory inquiries, licensing examinations, and audits.
- •Prepare, maintain, and submit compliance, financial crime, and risk reports to regulators and senior management, including the Board of Directors.
- •AML/CTF Oversight
- •Design, implement, and maintain the company’s AML/CTF program in accordance with BSA/AML requirements and FinCEN guidance.
- •Conduct ongoing risk assessments of products, services, customer segments, and geographic markets.
- •Oversee transaction monitoring, suspicious activity reviews, and ensure timely filing of Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs) as required.
- •Maintain AML/CTF and sanctions compliance policies, procedures, and training programs across all business units.
- •Risk & Compliance Monitoring
- •Develop and lead the compliance monitoring program, including periodic reviews of business lines, affiliates, and third-party/outsourced service providers.
- •Identify regulatory risks and implement effective mitigation strategies.
- •Maintain registers for compliance breaches, complaints, and errors, ensuring timely remediation and documentation.
- •Support internal audits and ensure readiness for regulatory examinations.
- •Governance & Advisory
- •Advise the executive team on compliance and risk issues impacting business strategy and operations.
- •Report regularly to the local Board and senior management on regulatory developments, emerging risks and compliance performance metrics.
- •Deliver ongoing training programs to ensure staff remain up to date on AML/CTF obligations, consumer protection rules, and state-specific requirements.
- •Monitor evolving federal and state regulatory frameworks (e.g., NYDFS Part 200, state licensing requirements, FinCEN rulings, CFPB guidance) and ensure the business remains compliant.
- •What skills and qualifications do I need?
- •Minimum of 5 years’ experience in performing compliance for a money transmitter bank and/or virtual currency business.
- •Demonstrate having completed up-to-date and relevant training on topics directly related to money transmission activities and to the responsibilities of a Compliance Officer.
- •Demonstrated expertise with BSA/AML, OFAC, FinCEN, and state money transmission laws.
- •Prior experience leading regulatory examinations and direct engagement with state regulators.
- •Proven ability to build and maintain robust AML/CTF programs, including policies, procedures, risk assessments, monitoring systems, and SAR/CTR filings.
- •Strong leadership, organizational, and communication skills, with the ability to work effectively with executive management and regulators.
- •Professional certifications such as CAMS (Certified Anti-Money Laundering Specialist), CRCMP, or equivalent strongly preferred.
- •JD, MBA, or other advanced degree in law, business, or compliance-related field a plus.
Required skills
Compliance ManagementRisk Management
Domain expertise
fintech
Tech stack
Compliance ManagementRisk Management
