Senior Manager, Compliance Program & Governance

As Senior Manager, Compliance Program & Governance at Coinflow, you'll build the infrastructure that transforms the company's rapidly growing risk and compliance function from a collection of jurisdictional efforts into a coordinated, defensible group-level program. Reporting directly to the Chief Risk Officer, you own regulatory change management, governance cadence, sponsor bank management, audit readiness, remediation tracking, and second-line control testing across the US, Canada, EU, and future jurisdictions. This is a building role at a rapidly scaling fintech payment provider, with a direct path to shaping how the program operates for years to come.

What you'll do

• Own the policy, SOP, and control framework that governs the program across regions: version control, approval workflows, attestation tracking, and refresh cycles, ensuring it holds up under testing.
• Harmonize policies across the US, Canada, EU, and future jurisdictions into group policy with local addenda where possible, and own the policy exception process end to end.
• Build and run an independent second-line testing and monitoring program for BSA/AML controls (CIP, KYC, CDD, EDD), owning the testing calendar, sampling methodology, and documentation so you walk into exams and bank partner reviews with evidence already assembled.
• Serve as the program-level owner for bank and payment partner relationships, integrating incoming requirements, controls, and reporting obligations into workflows that minimize disruption to first-line teams.
• Pre-review bank onboarding due diligence responses before they reach the CRO, and standardize the partner escalation guide so relationships are managed consistently.
• Own risk change intake as the single front door for FinCEN, FINTRAC, EU AMLD, MiCA, sponsor bank, and card scheme changes, triaging and assigning owners with execution plans.
• Lead audit and exam readiness by maintaining evidence libraries, response playbooks, and document rooms; coordinating responses to internal audits, sponsor bank reviews, and regulatory exams; and driving findings through to closure.
• Own the risk and gap register by intaking self-identified gaps and findings from partner due diligence reviews, assigning owners, and driving items to closure with audit-ready evidence.
• Design and operate the governance cadence, including the Risk and Compliance Committee, and chase committee action items until completion.
• Prepare board-level reporting and maintain a command center that gives the CRO, CEO, and board a coherent view of program health across jurisdictions.
• Partner with Product and Engineering on tooling requirements that reflect policies and SOPs, so workflows in tools act as the SOP itself rather than disconnected steps.
• Own rollout planning, acceptance criteria, and training for new tools so Risk and Compliance teams are ready to adopt them on day one.

What you bring

• 5-10 years of experience in compliance, risk, audit, consulting, or related program management roles, with at least three years in fintech, payments, startups, or banking.
• Prior experience building or standing up a program from scratch or in a high-growth environment, not maintaining a mature program at a large institution.
• A demonstrated ability to track your own commitments and others' commitments to you, and follow up before anyone has to ask, ensuring nothing sits open without your attention.
• Comfort holding people accountable without authority, leading through clarity and persistence.
• Strong project management instincts and a bias for visibility, able to hold multiple workstreams in your head, prioritize ruthlessly, and build lightweight structure across active projects.
• Compliance generalist fluency, able to read a regulation, policy, or audit finding and immediately understand what it asks for, even if the specific regime is new to you.
• Strong judgment about what matters, distinguishing material risk from cosmetic gaps and escalating accordingly.
• Based in or willing to relocate to Chicago; this role is in office four days per week.

Nice to have

• Prior experience supporting regulatory examinations or sponsor bank audits as a respondent.
• Experience with multi-jurisdictional compliance programs, particularly across US, Canada, and EU regimes.
• Prior experience designing or executing second-line testing programs for BSA/AML or equivalent AML regimes.
• CAMS, CRCM, CFE, or equivalent certification.

What we offer

• Base salary of $180,000-$210,000 USD plus equity.
• Competitive compensation based on experience, education, skills, qualifications, and business needs.
• Comprehensive health and wellness coverage, 401(k), and flexible time off.
• Direct partnership with the CRO and regular exposure to Coinflow's founders, leadership team, and board.
• A clear path to people management as the function grows.
• Real ownership to turn distributed, multi-jurisdictional efforts into one coherent, defensible program.

About Coinflow

Coinflow is a next-generation payment service provider founded in 2023, enabling businesses worldwide to grow faster with instant settlement, fraud and chargeback indemnity, global pay-ins, and multi-currency FX. Since its seed round in 2024, Coinflow has achieved 23x revenue growth and scaled to multi-billion-dollar annual transaction volume. The company raised a $25M Series A in October 2025 led by Pantera Capital, CMT Digital, Coinbase Ventures, Jump Crypto, and Reciprocal Ventures, and is headquartered in Chicago, IL.