Head of AML Compliance, Payabli
+ Stock Options
Payment infrastructure and monetization platform
Be an early applicant
Payment infrastructure and monetization platform
21-100 employees
Be an early applicant
+ Stock Options
21-100 employees
Company mission
To provide a proven playbook that allows high-growth SaaS companies to leverage payments as a core part of their business model.
Role
Who you are
- Have a minimum of 8 years of AML/BSA experience in a fintech, payments, or financial services company
- Expert understanding of AML regulatory frameworks including FinCEN, BSA, OFAC, and state money transmission requirements and reporting processes
- Have hands-on experience with AML monitoring tools and case management systems
- Have a working knowledge of automated underwriting, KYC, KYB, and transaction data analytics
- Are experienced interfacing with sponsor banks and financial institution partners, preferably from a payment facilitation or embedded payments environment
- Are a self-starter who is comfortable in a matrixed organizational environment
- Have strong analytical and written communication skills and can synthesize information quickly
- Thrive in a fast-paced environment
- Have an innate sense of humility and intellectual honesty with an open mind for feedback
- Have a Bachelor's degree in Law, Business, Finance, or related field; advanced degree (JD, MBA) preferred
- CAMS or CFCS certification (or equivalent) strongly preferred
What the job involves
- As our Head of AML Compliance, you will help us build and maintain a world-class financial crime compliance program tailored to our unique position as an embedded payments provider and registered Payment Facilitator
- You will lead the design, implementation, and execution of our AML program, ensuring alignment with U.S. federal regulations (BSA, FinCEN, OFAC) and evolving fintech best practices
- Lead the development, implementation, and management of Payabli’s AML compliance program
- Maintain and evolve policies and procedures in accordance with the Bank Secrecy Act (BSA), USA PATRIOT Act, OFAC regulations, and Payabli's sponsor bank requirements
- Conduct AML/BSA risk assessments across products, partners, and customer segments
- Oversee transaction monitoring systems and investigate potentially suspicious activity
- Review alerts, conduct case investigations, and file Suspicious Activity Reports (SARs) with our sponsor banks as needed
- Coordinate enhanced due diligence (EDD) reviews for high-risk partners or ISVs
- Act as primary point of contact for sponsor banks and external audits concerning AML/BSA compliance
- Prepare and submit required reports and documentation (such as SARs) to banking partners for submission to regulatory bodies
- Ensure compliance alignment with evolving sponsor bank guidelines and industry standards
- Partner with Product, Engineering, and Client Success teams to integrate AML controls into Payabli's platform architecture and customer onboarding flows
- Educate and advise internal stakeholders and partners on AML risks and mitigations, including guidance during the underwriting and transaction monitoring processes
- Deliver tailored AML training to internal staff, including periodic refreshers and onboarding modules
- Develop guidance and policies for platform partners and ISVs to ensure ecosystem-wide compliance
Our take
Though often overlooked as a necessity and functional aspect of doing business, Payabli is a software company that actually elevates what payments are capable of bringing to a company. Payabli’s platform aims to make payments not just a function that employees don’t think twice about, but something that can enhance their customer's experiences.
With an increasing number of companies migrating from legacy payment software to vertical SaaS (operationally specific) providers, Payabli is carving out a niche in the competitive space through simultaneous payout automation, stack optimization, and customer payment services all on one platform.
Payabli’s focus on high-growth SaaS companies as its customer could be a slight gamble, given the turbulence in the sector possibly leading to problems with customer retention. Payabli has not had any trouble so far, though, having tripled its growth in 2022 and benefitting from two rounds of funding within one year. It plans to use this funding to make Payabli easier to integrate into customers' existing software.
Kirsty
Company Specialist at Welcome to the Jungle
Company
Funding (last 2 of 4 rounds)
Jun 2025
$28m
SERIES B
Jun 2024
$20m
SERIES A
Total funding: $60m
Company benefits
- Stock options with the potential to unlock more equity as we grow
- Flexible PTO and paid parental leave
- Medical, dental, & vision insurance401K, HSA, pre-tax savings programs
- Option to be fully remote or hybrid
- Monthly education fund to spend on anything that enhances your skills or gets you one step closer to your passion goals
Company HQ
Coral Way, Miami, FL
Leadership
Joseph Elias Phillips
(Co-Founder)Currently Member Board Of Directors at Bold Communities. Previously Managing Director at Centavo, Head of Sales at ServiceTitan, Sales Manager at GrubHub Seamless.
William Corbera
(Product Architect)Previously Co-Founder and Head of Product at RevoPay.
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