Head of Payments Compliance

This position can be based out of San Francisco, New York, or remote (we accept candidates from many states).

ABOUT MODERN TREASURY

Modern Treasury builds the operating system for money movement. Our platform connects businesses to the banking system, automating payments, reconciliation, and ledgering. Compliance has always been core to how we build and operate. As Modern Treasury moves into products that directly handle customer funds—including accounts, disbursements, and emerging payment rails like stablecoins—the scope of our compliance program is expanding to address the full spectrum of financial crimes, consumer, and partner regulatory requirements.

ROLE OVERVIEW

We are seeking a Head of Payments Compliance to lead and evolve Modern Treasury’s compliance program as we expand into the flow of funds. This role will oversee our AML / BSA, sanctions, fraud, and consumer compliance programs, ensuring adherence not only to regulatory obligations but also to the expectations of our bank partners and other financial institutions.

The Head of Compliance reports to the VP, Legal and works closely with Product, Engineering, and Risk to design scalable, technology-forward compliance systems that enable responsible innovation.

KEY RESPONSIBILITIES

Program Leadership and Oversight

• Lead the design and implementation of Modern Treasury’s compliance framework across AML / BSA, sanctions, fraud, and consumer protection.
• Serve as the designated BSA Officer, responsible for AML compliance, suspicious activity reporting, and program governance.
• Oversee compliance with bank partner agreements, including due diligence, audit coordination, reporting, and ongoing oversight.
• Develop scalable processes and systems to support potential future licensing regimes (e.g., MTLs, trust charters) while maintaining compliance through existing FBO and bank partnership structures.
• Advise the VP, Legal and executive team on compliance risks, regulatory trends, and program performance.

Regulatory and Partner Engagement

Product and Technology Integration

QUALIFICATIONS

WHY MODERN TREASURY

Modern Treasury is committed to equal employment opportunity and does not discriminate in any employment opportunities or practices based on an individual's race, color, creed, gender (including gender identity and gender expression), religion (all aspects of religious beliefs, observance or practice, including religious dress or grooming practices), marital status, registered domestic partner status, age, national origin or ancestry (including language use restrictions and possession of a driver’s license issued under California Vehicle Code section 12801.9), natural hair, physical or mental disability, political affiliation, medical condition (including cancer or a record or history of cancer, and genetic characteristics), sex (including pregnancy, childbirth, breastfeeding or related medical condition), genetic information, sexual orientation, military and veteran status or any other consideration made unlawful by federal, state, or local laws. It also prohibits unlawful discrimination based on the perception that anyone has any of those characteristics, or is associated with a person who has or is perceived as having any of those characteristics.

Modern Treasury participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

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