US Deputy Compliance Officer, Lemfi

• 6 or more years of compliance experience in US payments, money transmission, fintech, or financial services, with genuine hands-on depth in both BSA/AML and consumer compliance
• Solid working knowledge of BSA/AML requirements, FinCEN regulations, and OFAC, including direct experience with SAR and CTR processes
• Experience contributing to a consumer compliance programme covering UDAAP, Reg E, and complaints management, not just advising on it
• Familiarity with multi-state MTL compliance and the regulatory expectations of state money transmission regulators
• Experience working within or alongside a sponsor bank or BaaS compliance structure, and an understanding of how those relationships work under pressure
• Strong written and verbal communication: able to produce clear compliance guidance, policy documents, and regulatory correspondence that the business and regulators can both rely on
• Comfortable operating with limited day-to-day supervision, managing competing priorities across two compliance workstreams, and making sound judgement calls independently

Desirable

• LemFi is building the financial infrastructure for the world's immigrant communities
• We operate across roughly 21 countries, hold money transmission licences across the United States, and work within a sponsor bank structure
• Compliance here is a strategic function, not a checkbox, and the US programme is one of the most complex and consequential parts of the business
• This role sits at the centre of the US compliance operation, reporting to the US Chief Compliance Officer and covering both BSA/AML and consumer compliance
• You will be the operational lead on day-to-day compliance running, the first escalation point for the business, and the person who gives the CCO the confidence to focus on the most strategic and complex matters
• For the right person, this role grows significantly as LemFi scales
• Run the day-to-day BSA/AML operation: SAR quality, FinCEN regulatory reporting, and transaction monitoring, escalating material issues and deputising for the CCO when they are out
• Own the consumer compliance programme operationally: UDAAP, Reg E, CAN-SPAM, and TCPA reviews of marketing and advertising materials, plus disclosure maintenance and complaints intake through to resolution
• Lead the consumer complaints programme end-to-end, spotting systemic issues and proposing root-cause fixes rather than just closing tickets
• Support multi-state MTL compliance, including licence renewals, regulatory notifications, and examination preparation across all active LemFi US states
• Manage sponsor bank compliance commitments, keeping the status documented, open items tracked, and the CCO informed before things become surprises
• Contribute to US compliance sections of board and executive management reports, and support the group-wide compliance risk assessment
• Use AI tools to accelerate policy drafting, evidence pack preparation, and regulatory research, freeing your own capacity for the judgement calls that actually need you