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Credit Genie · 5 months ago

Chief Compliance Officer

Philadelphia, PA

Full-time

Onsite

Director/Executive

$250K/yr - $350K/yr

10+ years exp

Credit Genie is a mobile-first financial wellness platform designed to help individuals take control of their financial future. They are seeking a Chief Compliance Officer (CCO) who will be responsible for designing and leading a compliance program that integrates with business strategy while ensuring regulatory adherence. The CCO will work closely with various teams to develop compliant financial solutions and maintain the effectiveness of the compliance program as the company grows.

CreditCredit CardsFinancial ServicesFinTechLending

Responsibilities

Develops a compliance framework that allows the company to build and scale innovative financial products within legal and regulatory guidelines

Advises leadership on how compliance can be a differentiator in the Earned Wage Access market

Tracks regulatory developments and proactively adapts compliance programs to stay ahead of potential challenges

Engages with regulators, industry groups, and policymakers to help shape the future of EWA regulations

Builds scalable compliance solutions that grow with the company’s expansion into new markets and product lines

Works hand-in-hand with product, engineering and design teams to ensure compliance is embedded into the product design process early, not just as a final approval step

Advises on structuring products to balance compliance with customer experience and market competitiveness

Ensures compliance processes are designed to be lightweight and efficient, reducing operational friction

Guide the management team on compliance strategy, ensuring that regulatory considerations are seamlessly integrated into business decisions and product innovation

Deliver clear, data-driven compliance reports to the Board, providing actionable insights on program effectiveness, regulatory trends, and key risk areas to support strategic decision-making

Develops a compliance-first culture where teams see regulations as guardrails for smart innovation, rather than roadblocks

Educates employees on practical compliance principles rather than overwhelming them with rigid policies

Works cross-functionally with leadership, legal, risk, and finance to align compliance strategies with business objectives

Qualification

Compliance program developmentU.S. consumer financial regulationsAML/KYC program designCAMS certificationCross-functional collaborationRisk managementRegulatory engagementDegreeExceptional communication skills

Required

10+ years of experience in compliance, legal, or risk management roles within fintech, financial services, or adjacent regulated industries

Proven track record of building or scaling compliance programs in product-driven, fast-paced environments, ideally at a Series A–C stage and/or technology company

Strong working knowledge of U.S. consumer financial regulations, including those relevant to cash advances, lending, credit products, tradelines and payments

Experience designing and implementing AML/KYC programs, with knowledge of Bank Secrecy Act (BSA), OFAC requirements, and FinCEN guidance

Demonstrated ability to interpret and apply regulations pragmatically, enabling compliant solutions that support innovation and user experience

Experience engaging with state and federal regulatory bodies, auditors, and financial institution partners, with a confident and credible communication style

Comfortable working cross-functionally with product, engineering, legal, and operations to embed compliance into the product lifecycle

Familiarity with tooling for transaction monitoring, case management, and reporting

Exceptional communication skills with the ability to convey compliance risks, requirements, and opportunities to both technical and executive audiences

Bachelor's degree required; JD, CRCM, or other relevant certifications a plus

Preferred

CAMS certification (or equivalent AML credential) strongly preferred, particularly given the company's expansion into credit card products requiring full KYC