Compliance Officer, Finance & Banking

Role Summary

The Compliance Officer is a senior compliance professional responsible for overseeing the execution of Ionia Pay's compliance program across its fintech payments platform. Reporting to the COO, this individual applies deep knowledge of banking regulations, fintech compliance frameworks, and sponsor bank requirements to ensure Ionia Pay operates in alignment with applicable laws, network rules, and internal policies. This role requires hands-on experience in both traditional banking and fintech environments.

• Oversee day-to-day execution of Ionia Pay's compliance program including BSA/AML, OFAC, KYC/KYB, PCI DSS, and UDAAP
• Maintain and update compliance policies, procedures, and internal controls across all business operations
• Conduct periodic compliance risk assessments and recommend corrective actions
• Monitor regulatory developments affecting fintech payments and sponsor bank relationships

• Oversee transaction monitoring programs and ensure timely review and disposition of alerts
• Review escalated cases and make determinations on SAR and UAR filings
• Conduct investigations into suspicious activity and escalated compliance incidents

• Serve as Ionia Pay's compliance liaison with sponsor banks, card networks, and regulators during audits and examinations
• Prepare and submit required compliance reporting and program documentation on schedule
• Coordinate responses to sponsor bank compliance requests and track outstanding items to resolution

• Oversee merchant onboarding compliance reviews including KYB, beneficial ownership verification, and OFAC screening
• Ensure ongoing merchant and ISO monitoring programs are operating effectively and high-risk accounts receive appropriate enhanced due diligence

• Maintain the compliance program in a state of continuous audit readiness and oversee remediation of identified gaps
• Develop and deliver compliance training to employees across all departments

• 5 to 8 years of compliance experience with hands-on background in both banking and fintech environments
• Deep knowledge of BSA/AML, OFAC, KYC/KYB, PCI DSS, UDAAP, and Regulation E
• Experience working directly with sponsor banks, card networks, or regulators during audits or examinations
• Strong analytical and investigative skills with experience handling SAR/UAR filings
• Excellent written and verbal communication skills

• CAMS, CRCM, or similar compliance certification
• Familiarity with payment facilitation models, ISO relationships, and Visa/Mastercard network compliance
• Experience supporting SOC 2 or PCI DSS compliance programs

Arizona based preferred. Hybrid eligible (on-site collaboration days).

Base Salary: $90,000 – $105,000

Benefits:
Discounted medical/dental/vision, stock options, 401(k) match, flexible vacation, and standard holidays