Director, Risk and Compliance

Mad Mobile is an AI-driven software development company headquartered in Tampa, FL, revolutionizing the restaurant and enterprise retail industries. Our innovative solutions empower businesses to enhance customer experience, streamline operations, and drive growth through cutting-edge technology. From mobile ordering and payments to advanced point-of-sale systems, our AI-driven approach helps industry leaders stay ahead in an ever-evolving digital world. As a fast[1]growing organization, we foster a collaborative, dynamic, and inclusive culture dedicated to delivering exceptional value to our clients and employees.

Join us in shaping the future of retail and hospitality through intelligent, technology-driven innovation.

LOCATION:

Must be based in or willing to relocate to Tampa, FL. This is an in-office role.

NOTE:

Candidates must be legally authorized to work in the United States (U.S. Citizens, Green Card holders, or valid EAD holders). Sponsorship is not available for this role.

About the Role:

We are seeking a strategic, hands-on Director, of Risk & Compliance to build and scale a best-in-class risk and compliance program across our payments, POS, and SaaS platforms.

This role will lead companies risk management, regulatory compliance, and product compliance initiatives-ensuring we meet evolving requirements while enabling innovation and growth. This role is deeply embedded in the product lifecycle, ensuring "compliance by design" across fintech offerings.

You will partner cross-functionally with Product, Engineering, Finance, Legal, and Operations to manage regulatory risk, support new product launches, and strengthen our control environment.

Key Responsibilities:

1. Enterprise Risk & Compliance Leadership

* Build and lead Mad Mobile's enterprise risk management (ERM) and compliance programs

* Establish governance frameworks, policies, and internal controls across payments, POS, and SaaS offerings

* Develop risk appetite, KRIs/KPIs, and reporting for executive leadership and board-level visibility

2. Payments & Fintech Compliance

* Own compliance for payment processing, merchant acquiring, and fintech products

Ensure adherence to:

* PCI DSS and cardholder data security standards (critical in POS/payment ecosystems)

* Money transmitter and payments regulations (state, federal, and global where applicable)

* Card network rules (Visa, Mastercard, etc.)

* Partner with Product to embed compliance into new product development and enhancements

3. Risk Management & Fraud Prevention

* Oversee fraud, chargeback, and transaction risk strategies

* Implement risk monitoring frameworks for merchants, partners, and transactions

* Collaborate with Data/Engineering to leverage analytics and machine learning for risk detection

* Align with industry practices such as tokenization, encryption, and layered payment security used by companies like Shift4

4. Regulatory & Audit Oversight

* Lead internal and external audits (PCI, SOC x`)

* Manage relationships with regulators, auditors, and banking/payment partners

* Maintain licensing and regulatory filings (e.g., money transmission where applicable)

5. Compliance Program Development

* Design and scale a compliance management system (CMS) aligned with fintech best practices

* Develop testing, monitoring, and issue remediation processes

* Ensure ongoing regulatory change management and impact assessment

6. Cross-Functional Partnership

* Serve as a trusted advisor to Product, Engineering, and GTM teams

* Participate in product reviews to ensure regulatory requirements are met pre-launch

* Act as a compliance representative on risk committees and governance forums

7. Team Leadership

* Build and manage a high-performing risk and compliance team

* Foster a culture of accountability, transparency, and continuous improvement

Required Skills & Expectations:

* 8-12+ years in risk, compliance, or fintech regulatory roles

* Experience in payments, POS, merchant acquiring, or fintech platforms

Deep knowledge of:

* PCI DSS and cardholder data environments

* Payments ecosystem (acquirers, processors, ISOs)

* Regulatory frameworks (BSA/AML, money transmission, NACHA, card network rules)

* Proven experience building or scaling compliance programs in a high-growth SaaS or fintech environment

* Strong leadership and stakeholder management experience

Preferred:

* Experience in restaurant or retail technology ecosystems (similar to Spot On/Toast focus)

* Familiarity with integrated POS + payments platforms

* Certifications such as CRCM, CAMS, CISA, or PCI ISA/QSA exposure

* Experience supporting product-led organizations with embedded compliance

What Success Looks Like:

* A scalable, audit-ready compliance program supporting rapid growth

* Reduced fraud loss and improved risk visibility across transactions

* Seamless product launches with compliance built into design-not retrofitted

* Strong relationships with regulators, partners, and enterprise customers

* Our core values:

Customer - WE believe that our customers deserve the best from us every day.…