Regulatory Compliance Testing Manager, North America

We are seeking a Regulatory Compliance Testing Manager to join our North America Compliance Monitoring and Testing team. You will independently assess whether regulatory controls work in practice and whether customers receive the outcomes our obligations require.

You will lead risk-based reviews across U.S. consumer protection, payments, state money-transmission, safeguarding, disclosures, complaints, partner handoffs, and remediation.

Your primary responsibilities will include:

• Planning and executing risk-based regulatory testing and remediation-validation reviews
• Translating regulatory obligations and customer-outcome risks into precise control questions, populations, evidence requirements, test procedures, and failure criteria
• Testing both control design and operating effectiveness
• Defining and reconciling complete testing populations before sampling
• Reviewing end-to-end processes that cross Product, Operations, technology, data, partner, and legal-entity boundaries
• Assessing U.S. consumer-protection and payments requirements
• Evaluating state prudential and customer-funds controls
• Writing clear workpapers, issues, remediation-validation conclusions, and management reports
• Challenging control owners and senior stakeholders constructively
• Supporting regulatory examinations, audits, partner due diligence, risk assessments, and governance reporting

You will work closely with Product, Operations, Legal, Risk, Engineering, and Analytics while bringing clear, credible second-line challenge.

The ideal candidate will have:

• Substantial hands-on experience in compliance testing, internal audit, regulatory assurance, remediation validation, or a closely related independent-review role within financial services, payments, banking, an MSB, fintech, or a relevant consultancy
• Strong working knowledge of U.S. consumer-protection and payments requirements
• Ability to independently turn a broad risk into a bounded, defensible review
• Comfortability working with data
• Strong communication and interpersonal skills

Nice to haves:

• Experience at a payments company, neobank, bank, MSB, remittance provider, platform/embedded-finance business, or high-growth fintech
• Experience with state money-transmitter licensing, NMLS, regulatory reporting, safeguarding, permissible investments, outstanding transmission liabilities, net-worth, surety, or other prudential obligations