Senior Compliance Supervisor

Pay.com is seeking a Senior Compliance Supervisor with deep experience in AML,
regulatory compliance, and payments program oversight to support and supervise day-to-day execution of the US compliance program.

This role requires 7+ years of experience in payments, fintech, or regulated financial services, with strong exposure to high-risk merchant categories including sweepstakes, gaming, gambling-adjacent, crypto and digital platform models. This role is responsible for supervising operational compliance workflows, performing complex AML and regulatory reviews, validating merchant risk decisions, and ensuring ongoing program control execution.

The position includes supervisory and quality-control responsibility over compliance review activities.

Core Responsibilities

• Supervise and perform enhanced AML/KYC/KYB reviews for high-risk merchants
• Review and approve complex merchant onboarding risk assessments
• Conduct enhanced due diligence for elevated-risk verticals
• Validate beneficial ownership and control person analysis
• Review and sign off on AML merchant review reports and risk ratings
• Ensure merchant files meet sponsor bank and card network standards
• Supervise transaction monitoring alert reviews and investigations
• Review and validate suspicious activity analysis and case documentation
• Ensure alert escalation decisions meet AML program standards
• Oversee monitoring thresholds and rule effectiveness reviews
• Support SAR decision packages and investigative documentation
• Oversee compliance controls tied to card network and sponsor-bank programs
• Review program registration data and PIF inputs
• Validate transaction and velocity limit documentation
• Supervise OCT-payout and Money-send compliance control checks
• Ensure program-level compliance conditions are documented and followed
• Lead preparation support for sponsor-bank and regulatory audits
• Review and approve compliance evidence packages
• Supervise regulatory request responses and documentation gathering
• Maintain audit-ready compliance files and workpapers
• Track remediation items and corrective action follow-up
• Review and refine AML and risk assessment methodologies
• Supervise periodic merchant review and refresh cycles
• Validate policy and procedure operational alignment
• Oversee control testing documentation and results
• Ensure consistency across compliance review templates and reports
• Senior-level compliance judgment and risk assessment
• Supervisory and quality-control capability
•  Advanced compliance writing and documentation skills
•  Regulatory interpretation and control application
•  Strong workflow governance discipline
•  Ability to manage multiple high-risk reviews simultaneously

Qualifications

• 7+ years AML / BSA / regulatory compliance experience
• Strong payments / fintech / sponsor-bank program background
• Experience with high-risk merchant categories
• Experience supervising AML or compliance review teams
• Deep KYC/KYB and enhanced due diligence expertise
• Transaction monitoring and investigative oversight experience
• Regulatory audit and exam support experience
• CAMS, ETA CPP or equivalent certification
• Card network compliance framework experience
• Sweepstakes or promotional gaming compliance exposure
• Sponsor bank relationship support experience

What we offer

• Flexible working hours
• Career Growth, we support professional development with ongoing learning and clear paths to learning
• Medical Insurance coverage after completing the probation period
• Provident fund after completing the probation 
• Daily lunch from Monday to Thursday, and happy hour on Friday
• Work Balance between the office and home