river - Chief Compliance Officer

• Lead and grow River's team of compliance analysts, setting the bar for how the team operates, hires, and develops • Serve as River's BSA Officer, owning the BSA/AML and sanctions (OFAC) programs end-to-end, including policy, monitoring, investigations, and reporting • Build and maintain River's compliance policies and procedures across the business, and run a company-wide training program that keeps pace with how River and the regulatory landscape are changing • Own River's compliance risk assessment, and ensure the output drives cross-functional project prioritization to address gaps • Develop and run an independent compliance testing and monitoring function, separate from day-to-day BSA monitoring • Maintain River's state money transmitter licenses (MTLs), including renewals and license-specific exam readiness, while driving River's OCC national trust charter process forward with executive leadership, outside counsel, and consultants • Own River's relationships with regulators and compliance leadership with our bank partners • Manage all regulatory exams, audits, and third-party assessments, from prep through remediation • Own compliance sign-off on new products and features before launch, so compliance is built in, not bolted on after the fact • Build repeatable, scalable compliance systems and processes, not one-off fixes, so the program holds up as River grows • Advise the executive team and Board on regulatory strategy and emerging risk, proactively rather than reactively • Partner cross-functionally with Operations, Product, and Engineering to embed compliance into how River builds • Act as a culture carrier for River, modeling how we think about trust, honesty, and rigor internally, not just in front of regulators • WHAT WE LOOK FOR IN YOU • Deep experience building and running compliance programs at a regulated financial institution, ideally with BSA Officer experience • A track record of managing regulatory exams and audits, and building genuine, durable relationships with regulators and bank partners • Direct experience with OCC processes; charter application experience is a strong plus • A systems thinker, someone who solves the root problem and builds the process that prevents it from recurring, rather than patching the symptom • Strong people leadership with experience building, managing, and developing a team of analysts • Excellent communicator, equally comfortable in a room with examiners, the Board, or an engineer debugging a control • Strategic and proactive, you see around corners on regulatory risk rather than waiting for it to arrive • A client-first mindset, you see compliance as a way to protect and serve clients, not just satisfy a regulator, and you look for ways to say yes without compromising the program • A genuine culture carrier, someone who raises the bar for how the people around them think and work • Comfortable with ambiguity and the pace of a fast-growing company building something that hasn't been built before