COMPANY  Credit Genie is a mobile-first financial wellness platform designed to help individuals take control of their financial future. We leverage artificial intelligence to provide personalized insights and are building a financial ecosystem by offering tools and services that provide instant access to cash, and building credit. Our goal is to empower every customer to achieve long-term financial stability. Founded in 2019 by Ed Harycki, former Swift Capital Founder (acquired by PayPal in 2017). Backed by Khosla Ventures and led by industry pioneers from companies such as; PayPal, Square, and Cash App, we are well positioned to build the future of inclusive finance through cutting-edge technology and customer-centric solutions. OVERVIEW The Chief Compliance Officer (CCO) is responsible for designing, implementing, and leading a compliance program that enables innovation while ensuring regulatory and legal adherence. The CCO ensures that compliance is integrated into business strategy, allowing the company to develop customer-centric, compliant financial solutions without unnecessary friction. The CCO must maintain the effectiveness of the compliance program, ensuring it adapts to regulatory developments, business growth, and product expansion. They are responsible for providing senior management and the Board of Directors with transparency into the company’s compliance posture, offering clear reporting on program efficacy, risk trends, and regulatory challenges. Beyond maintaining compliance, the CCO is a business enabler, partnering with product, engineering, design and operations teams to develop solutions that meet both regulatory requirements and customer needs. This requires balancing risk management with a practical, scalable approach that fosters innovation while maintaining regulatory integrity. WHAT YOU’LL DO * Develops a compliance framework that allows the company to build and scale innovative financial products within legal and regulatory guidelines. * Advises leadership on how compliance can be a differentiator in the Earned Wage Access market. * Tracks regulatory developments and proactively adapts compliance programs to stay ahead of potential challenges. * Engages with regulators, industry groups, and policymakers to help shape the future of EWA regulations. * Builds scalable compliance solutions that grow with the company’s expansion into new markets and product lines. * Works hand-in-hand with product, engineering and design teams to ensure compliance is embedded into the product design process early, not just as a final approval step. * Advises on structuring products to balance compliance with customer experience and market competitiveness. * Ensures compliance processes are designed to be lightweight and efficient, reducing operational friction. * Guide the management team on compliance strategy, ensuring that regulatory considerations are seamlessly integrated into business decisions and product innovation. * Deliver clear, data-driven compliance reports to the Board, providing actionable insights on program effectiveness, regulatory trends, and key risk areas to support strategic decision-making. * Develops a compliance-first culture where teams see regulations as guardrails for smart innovation, rather than roadblocks. * Educates employees on practical compliance principles rather than overwhelming them with rigid policies. * Works cross-functionally with leadership, legal, risk, and finance to align compliance strategies with business objectives. REQUIREMENTS * 10+ years of experience in compliance, legal, or risk management roles within fintech, financial services, or adjacent regulated industries * Proven track record of building or scaling compliance programs in product-driven, fast-paced environments, ideally at a Series A–C stage and/or technology company * Strong working knowledge of U.S. consumer financial regulations, including those relevant to cash advances, lending, credit products, tradelines and payments * Experience designing and implementing AML/KYC programs, with knowledge of Bank Secrecy Act (BSA), OFAC requirements, and FinCEN guidance * CAMS certification (or equivalent AML credential) strongly preferred, particularly given the company’s expansion into credit card products requiring full KYC * Demonstrated ability to interpret and apply regulations pragmatically, enabling compliant solutions that support innovation and user experience * Experience engaging with state and federal regulatory bodies, auditors, and financial institution partners, with a confident and credible communication style * Comfortable working cross-functionally with product, engineering, legal, and operations to embed compliance into the product lifecycle * Familiarity with tooling for transaction monitoring, case management, and reporting * Exceptional communication skills with the ability to convey compliance risks, requirements, and opportunities to both technical and executive audiences * Bachelor’s degree required; JD, CRCM, or other relevant certifications a plus BENEFITS AND PERKS Our goal is to provide a comprehensive offering of benefits and perks that promote better financial, mental, and physical wellness. We believe working alongside each other in person is the best way to build a great product and foster a strong company culture. Our expectation is that employees are in the office five days a week, allowing for optimal collaboration, inclusivity, and productivity. At the same time, we understand that life happens and recognize the importance of flexibility. We are committed to supporting our employees when circumstances arise that require remote work or adjusted schedules. Our goal is to ensure everyone can effectively balance personal and professional responsibilities while maintaining our collaborative and productive environment. Here are some highlights of our benefits and perks offerings, feel free to ask your recruiting partner for more details on our comprehensive offering for employees. * 100% company-paid medical, dental, and vision coverage for you and your dependents on your first day of employment.  * Receive up to $100 per month in fitness reimbursement or enjoy a complimentary full membership to LifeTime Fitness or Equinox. * 401(k) with a 3.5% match and immediate vesting  * Meal program available for both lunch and dinner * Pre-tax benefits, including a $1,000 HSA match * Life and accidental insurance * Flexible PTO Your actual level and base salary will be determined on a case-by-case basis and may vary based on the following considerations: job-related knowledge and skills, education, and experience. Base salary is just one part of your total compensation and rewards package at Credit Genie. You may also be eligible to participate in the bonus and equity programs. You will also have access to comprehensive medical, vision, and dental coverage, a 401(k) retirement plan with company match, short & long term disability insurance, life insurance, and flexible PTO along with many other benefits and perks. Credit Genie is a proud Equal Opportunity Employer where we welcome and celebrate differences. We are committed to providing a workspace that is safe and inclusive, where everyone feels supported, connected, and inspired to do their best work. If you require any accommodations to participate in our recruitment process, please inform us of your needs when we contact you to schedule an interview.