Compliance Officer (BSA/AML & MTL) | Remote (U.S. Only)

<font color="#1b4f8a" face="Arial, sans-serif"><span style="font-size:14.6667px;"><b>About the Role</b></span></font><br><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">SeedTrust is seeking a hands-on Compliance Officer to help build and maintain our compliance program as we obtain and manage US Money Transmission Licenses (MTLs). This role is available as either full-time or part-time.</span></span></span><br><br><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Part-time candidates will focus exclusively on compliance responsibilities. Full-time candidates will take on those same compliance duties plus additional work supporting the broader legal team.</span></span></span><br><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">In either case, you will partner closely with legal, finance, and product teams to keep SeedTrust in good standing with regulators and financial partners.</span></span></span><br><br><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Please note that candidates must be willing to submit personal biographical and financial information and undergo fingerprinting and background checks as required by state regulators.</span></span><br><br><font color="#1b4f8a" face="Arial, Helvetica, sans-serif"><b>Key Responsibilities </b></font></span><ul style="margin-bottom:5px;"><li style="margin-bottom:5px;"><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Manage MTL applications and active licenses through NMLS, including preparing filings, responding to regulator deficiency letters, completing MSB Call Reports, and tracking renewal deadlines and material change notifications.</span></span></span></li><li style="margin-bottom:5px;"><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Build and maintain relationships with state money transmitter regulators, serving as a day-to-day point of contact for regulatory communications.</span></span></span></li><li style="margin-bottom:5px;"><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Draft, implement, and update compliance policies and procedures in line with state money transmission laws, BSA, USA PATRIOT Act, and OFAC requirements.</span></span></span></li><li style="margin-bottom:5px;"><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Support the AML compliance program, including risk assessments, transaction monitoring oversight, and escalation of potential suspicious activity.</span></span></span></li><li style="margin-bottom:5px;"><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Coordinate internal preparations for regulatory examinations and bank partner reviews, including gathering documentation and assisting with remediation of findings.</span></span></span></li><li style="margin-bottom:5px;"><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Conduct periodic reviews and testing of compliance controls to assess effectiveness and identify gaps.</span></span></span></li><li style="margin-bottom:5px;"><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Monitor regulatory developments — including changes to state Money Transmitter Acts, FinCEN guidance, and OFAC requirements — and coordinate necessary updates to internal practices.</span></span></span></li><li style="margin-bottom:5px;"><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Partner with Legal, Finance, Product, and Operations to integrate compliance requirements into business processes and new product offerings.</span></span></span></li><li style="margin-bottom:5px;"><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Support employee compliance training and help reinforce a culture of compliance across the organization.</span></span></span></li></ul><div style="margin-bottom:5px;"><br><span style="font-size:11pt;"><font color="#1b4f8a"><font face="Arial, Helvetica, sans-serif"><b>Required Qualifications</b></font></font></span><ul style="margin-bottom:5px;"><li style="margin-bottom:5px;"><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">A minimum of 5 years of compliance experience in a money transmitter, bank, or highly regulated financial services environment (e.g., securities, mortgage), with direct involvement in AML/BSA programs.</span></span></span></li><li style="margin-bottom:5px;"><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Demonstrated, hands-on expertise with the Bank Secrecy Act, USA PATRIOT Act, FinCEN regulations, and OFAC sanctions programs.</span></span></span></li><li style="margin-bottom:5px;"><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Required to hold a Certified Anti-Money Laundering Specialist (CAMS) credential.</span></span></span></li><li style="margin-bottom:5px;"><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Working knowledge of state money transmitter licensing frameworks and hands-on experience with NMLS, including state-specific nuances (e.g., NYDFS, CA DFPI, Texas DOB).</span></span></span></li><li style="margin-bottom:5px;"><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Experience managing or participating in federal and state regulatory examinations conducted by FinCEN, state banking departments, or OFAC.</span></span></span></li><li style="margin-bottom:5px;"><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Strong written and verbal communication skills, with the ability to translate regulatory requirements into clear guidance for colleagues across product, engineering, and operations</span></span><font color="#1b4f8a"><font face="Arial, Helvetica, sans-serif"><b> </b></font></font></span></li></ul></div><br><span style="font-size:11pt;"><font color="#1b4f8a"><font face="Arial, Helvetica, sans-serif"><b>Preferred Qualifications</b></font></font></span><ul style="margin-bottom:5px;"><li style="margin-bottom:5px;"><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Juris Doctorate (J.D.) or active bar admission.</span></span></span></li><li style="margin-bottom:5px;"><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Experience at a FinTech startup or growth-stage company, particularly building compliance infrastructure from an early stage.</span></span></span></li><li style="margin-bottom:5px;"><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Familiarity with industry forums such as MTRA (Money Transmitter Regulators Association) or ACAMS membership.</span></span></span></li><li style="margin-bottom:5px;"><span style="font-size:11pt;"><span style="font-family:Arial, sans-serif;"><span style="color:#1a1a1a;">Experience evaluating or implementing automated transaction monitoring or sanctions screening platforms.</span></span></span></li></ul><br> 

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Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...

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