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 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.

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 end to end.

Build and run an independent second-line testing and monitoring program for BSA/AML controls (CIP, KYC, CDD, EDD). Own the testing calendar, sampling methodology, and documentation so we walk into exams and bank partner reviews with evidence already assembled.

Serve as the program-level owner for bank and payment partner relationships, integrating incoming requirements, controls, and reporting obligations into workflows that minimize disruption to first-line teams.

Pre-review bank onboarding due diligence responses before they reach the CRO, and standardize the partner escalation guide so relationships are managed consistently.

Own Risk change intake as the single front door for FinCEN, FINTRAC, EU AMLD, MiCA, sponsor bank, and card scheme changes. Triage, assign owners, and build execution plans. Nothing sits open without you knowing why.

Lead audit and exam readiness. Maintain evidence libraries, response playbooks, and document rooms; coordinate responses to internal audits, sponsor bank reviews, and regulatory exams; and drive findings through to closure.

Own the risk and gap register. Intake self-identified gaps and findings from partner due diligence reviews, assign owners, and drive items to closure with audit-ready evidence. If something is stuck, escalate before it becomes a finding.