Senior Manager, Compliance Program & Governance

The posting, as Coinflow wrote it

About Coinflow

Coinflow is the next-generation payment service provider revolutionizing global financial infrastructure with stablecoins, AI-driven fraud prevention, and instant settlement. Coinflow enables businesses to grow faster with instant settlement, fraud & chargeback indemnity, global pay-ins, multi-currency FX, and unified payouts. Founded in 2023, the company serves marketplaces, fintechs, remittance providers, gaming platforms, and ecommerce merchants worldwide.

Since our seed round in 2024, we’ve achieved 23x revenue growth and scaled to multi-billion-dollar annual transaction volume. In response to this growth, Coinflow announced a $25M Series A https://coinflow.cash/blog/coinflows-series-a in October 2025—led by Pantera Capital, CMT Digital, Coinbase Ventures, Jump Crypto, and Reciprocal Ventures—accelerating our mission to power the world’s fastest-moving businesses with innovative, reliable global payments.

Coinflow is proudly headquartered in Chicago, IL. Learn more at coinflow.cash http://coinflow.cash.

ROLE OVERVIEW

Coinflow's risk and compliance function has grown quickly across the US, Canada, and EU, and it now needs to mature from a collection of jurisdictional efforts into a coordinated, defensible group-level program. As our first Sr. Manager, Compliance Program & Governance, reporting directly to the Chief Risk Officer, you'll build the infrastructure that connects it all: regulatory change management, governance cadence, sponsor bank management, audit readiness, remediation tracking, product/tooling development, and second-line control testing.

This role works as a direct extension of the CRO. The CRO is accountable for the program; you're accountable for making sure nothing falls through the cracks between intake and closure. When an issue lands (a sponsor bank finding, a regulatory change, an audit observation, a self-identified gap), you take it, build the plan, line up the right people across Underwriting, AML, Legal, Engineering, and Operations, and drive it to a documented close.

Plainly: the CRO should never have to ask you for a status update. You should be the one bringing it. This is a building role at a rapidly scaling fintech, with a direct path to shaping how our program operates for years to come.

To be clear about scope, this role does not own transaction monitoring tuning, alert investigation, SAR decisioning, or merchant underwriting; those sit with our existing first-line teams. It is not a regulatory expert role for any specific jurisdiction; the BSA Officer and the MLROs hold those mandates.

KEY RESPONSIBILITIES

• Own the policy, SOP, and control framework that governs the program across regions: version control, approval workflows, attestation tracking, and refresh cycles. Make sure it holds up under testing.
• Harmonize policies across the US, Canada, EU, and future jurisdictions into group policy with local addenda where possible, and own the policy exception process en

[…]
s and a bias for visibility. You can hold five workstreams in your head, prioritize ruthlessly, and build lightweight structure (trackers, dashboards, standing updates) so everyone knows their responsibilities across every active project.

• Compliance generalist fluency. You can read a regulation, a policy, or an audit finding and immediately understand what it asks for, even if the specific regime is new to you.
• Strong judgment about what matters. You can distinguish a material risk from a cosmetic gap and escalate accordingly.
• Based in or willing to relocate to Chicago; this role is in office four days per week.

PREFERRED QUALIFICATIONS

• Prior experience supporting regulatory examinations or sponsor bank audits as a respondent.
• Experience with multi-jurisdictional compliance programs, particularly across US, Canada, and EU regimes.
• Prior experience designing or executing second-line testing programs for BSA/AML or equivalent AML regimes.
• CAMS, CRCM, CFE, or equivalent certification.

WHAT WE OFFER

• The chance to be Coinflow's first compliance program leader and shape how the program operates for years to come.
• Competitive compensation including base salary and equity.
• Direct partnership with the CRO and regular exposure to Coinflow's founders, leadership team, and board.
• Comprehensive benefits, including health and wellness coverage, 401(k), and flexible time off.
• A clear path to people management as the function grows.
• Real ownership: the mandate to turn distributed, multi-jurisdictional efforts into one coherent, defensible program.

The base salary range for this role is $180,000 – $210,000 USD + equity. The actual base salary offered depends on a variety of factors, including but not limited to experience, education, skills, qualifications, and business needs.

Join the team rewriting how money moves worldwide—and become a driving force in the $194 trillion cross-border payments market.