Senior Compliance Officer

Join an award-winning team! Auto Pay Plus  was named a 2026 Orlando Top Workplaces winner by Orlando Sentinel Media Group.

Auto Pay Plus  is a growing fintech company dedicated to improving the financial lives of everyday consumers. Since 2003, we've served more than 250,000 members and processed over $5.65 billion in loan payments through long-standing partnerships nationwide.

Our mission is simple: help our members budget better, protect their credit, and become debt-free faster.

We're also proud to have been recognized by the Orlando Business Journal as one of the Best Places to Work. With more than 20 years of success and continued growth, we offer a collaborative environment where employees can make a meaningful impact.

At Auto Pay Plus , you'll have the opportunity to work directly with executive leadership, strengthen compliance practices, and help guide responsible business growth while being part of a team committed to doing the right thing for our members, partners, and employees.

Auto Pay Plus  is looking for an experienced Senior Compliance Officer to lead our Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and sanctions compliance programs.

This is a hands-on leadership position with significant responsibility and visibility across the organization. You'll oversee the development, implementation, and ongoing effectiveness of our compliance programs while leading a small team and serving as the primary compliance contact for our sponsor bank partners.

Reporting to the EOS Integrator, CFO, and COO, with regular reporting to the Board, you'll work closely with Operations, Technology, Finance, and other departments to ensure regulatory requirements translate into effective policies, procedures, and operational controls.

You'll also lead risk assessments, customer due diligence, sanctions screening, suspicious activity monitoring, regulatory reporting, and audit remediation. Direct reports include the Junior Compliance Officer and Compliance Coordinator.

We're looking for someone who has successfully led a BSA/AML program, brings strong regulatory knowledge and sound judgment, and is comfortable balancing detailed compliance oversight with team leadership and executive-level communication.

Serve as Auto Pay Plus ' designated BSA/AML Officer, overseeing the design, administration, and effectiveness of the BSA/AML/OFAC compliance program.

Maintain and update compliance policies, procedures, and the Compliance Management System.

Conduct annual enterprise BSA/AML and sanctions risk assessments and present findings to the Board.

Provide regular reporting to executive leadership and the Board on compliance activities, risks, findings, and remediation progress.

Monitor regulatory developments and implement necessary changes to policies, procedures, and operational controls.

Oversee Customer Identification Program (CIP) procedures, including identity verification, escalations, and account closure decisions.

Manage customer due diligence (CDD), beneficial ownership, and enhanced due diligence (EDD) requirements.

Establish and maintain customer risk-rating methodologies and escalation procedures.

Define documentation requirements for expected customer activity and source-of-funds information.

Sanctions Screening & Monitoring

Oversee OFAC and watchlist screening processes, including onboarding, ongoing monitoring, and timely list updates.

Establish screening thresholds, fuzzy-logic settings, and testing procedures to ensure screening effectiveness.

Manage third-party screening vendors, including politically exposed person (PEP) screening.

Evaluate screening controls, identify potential gaps, and implement corrective actions.

Suspicious Activity Reporting & Risk Management

Oversee suspicious activity and fraud monitoring controls, ensuring alignment with identified risks and regulatory requirements.

Lead the internal Suspicious Activity Report (SAR) committee, including decisions, filings, and documentation within required timelines.

Partner with Technology to strengthen data-quality controls and identify potential compliance issues.

Maintain accurate records of investigations, escalations, decisions, and corrective actions.

Sponsor Bank Relationships, Audits & Examinations

Serve as the primary compliance contact for sponsor bank partners.

Lead sponsor bank compliance reviews and coordinate remediation efforts.

Manage the annual independent BSA/AML review and ensure findings are addressed and…