Chief Operating Officer; COO Job Brazil area,Indiana USA,Management

Spend Virtual is seeking a seasoned Chief Operating Officer (COO) to oversee all operational, regulatory, risk, and day-to-day execution activities of the company. This is one of the most critical leadership roles in the organization. The COO will build operational excellence across compliance, payments, technology, customer support, partner management, payout networks, risk operations, and business strategy. You will ensure the company is running smoothly, efficiently, safely - and scaling sustainably.

As COO, you must deeply understand fintech operations, global settlements, compliance frameworks, money-transfer flows, infrastructure scaling, and cross-border partner management.

Key Responsibilities

1. Operational Leadership
Own the daily operational performance of Spend Virtual
Lead Payments Ops, Customer Support, Compliance Ops, Engineering Ops, and Risk Ops teams
Build systems for global payout rails (Thunes, MFS Africa, Nium, Currencycloud)
Oversee wallet operations, FX execution, card issuing, and disputes processes
Translate company vision into actionable operational plans
Optimize customer experience, onboarding, KYC flow, and transfer success rates
3. Compliance, Risk & Regulatory Oversight
Work closely with the MLRO, Head of Compliance, and internal controls teams
Ensure operational compliance with FCA, EU AMLD5/6, US sponsor banks, Brazil regulations, and global payout partners
Support licensing applications and partner audits
4. Technology & Process Optimization
Work cross-functionally with engineering to automate and scale processes
Oversee infrastructure resilience, incident management, and uptime metrics
Lead operational resilience and disaster recovery practices
Manage strategic partnerships with payout networks, banks, card issuers, and fintech vendors
Negotiate SLAs, fees, and integrations
Monitor partner performance, outages, and payout success rates
6. Financial & Performance Oversight
Work with Finance on budgeting, forecasting, and operational cost control
Monitor unit economics: CAC, LTV, FX margin, Payout fees, Fraud loss ratio, Chargeback rates
Build dashboards and reporting metrics for daily operations
Build high-performing global teams
Mentor managers across operations, engineering, compliance, and support
Foster a culture of excellence, accountability, and innovation

Requirements

8-15 years experience in fintech, payments, banking, or remittances
Proven leadership experience scaling operational teams
Strong understanding of AML, CFT, fraud, sanctions, and payment compliance frameworks
Deep experience with global payout rails, FX, and settlement management
Excellent communication, problem-solving, and decision-making skills
Ability to operate at both strategic and hands-on levels
Experience with regulated e-money institutions or MTL environments
Experience with card issuing, BIN sponsorship, or digital wallets
Previous COO, VP Ops, or Director of Operations experience
Strong understanding of operational resilience (DORA, FCA rules)