The posting
LemFi (Series B) is building the go-to financial app for the Global South.
Moving to a new country shouldn’t mean starting from zero. That's why our team of 400+ spanning 20+ countries is building a financial ecosystem that helps immigrants stay connected to home, build stability, and create wealth regardless of where they are from or where they live.
What began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth.
With millions of users across the globe, we process over $1B in monthly transactions to 30+ countries, proving that borders shouldn't limit financial opportunity.
ABOUT THE ROLE
LemFi is building the financial infrastructure for the world's immigrant communities. We operate across roughly 21 countries, hold money transmission licences across the United States, and work within a sponsor bank structure. Compliance here is a strategic function, not a checkbox, and the US programme is one of the most complex and consequential parts of the business.
This role sits at the centre of the US compliance operation, reporting to the US Chief Compliance Officer and covering both BSA/AML and consumer compliance. You will be the operational lead on day-to-day compliance running, the first escalation point for the business, and the person who gives the CCO the confidence to focus on the most strategic and complex matters. For the right person, this role grows significantly as LemFi scales.
WHAT YOU'LL BUILD AND OWN
- Run the day-to-day BSA/AML operation: SAR quality, FinCEN regulatory reporting, and transaction monitoring, escalating material issues and deputising for the CCO when they are out.
- Own the consumer compliance programme operationally: UDAAP, Reg E, CAN-SPAM, and TCPA reviews of marketing and advertising materials, plus disclosure maintenance and complaints intake through to resolution.
- Lead the consumer complaints programme end-to-end, spotting systemic issues and proposing root-cause fixes rather than just closing tickets.
- Support multi-state MTL compliance, including licence renewals, regulatory notifications, and examination preparation across all active LemFi US states.
- Manage sponsor bank compliance commitments, keeping the status documented, open items tracked, and the CCO informed before things become surprises.
- Contribute to US compliance sections of board and executive management reports, and support the group-wide compliance risk assessment.
- Use AI tools to accelerate policy drafting, evidence pack preparation, and regulatory research, freeing your own capacity for the judgement calls that actually need you.
YOUR EXPERIENCE
- 6 or more years of compliance experience in US payments, money transmission, fintech, or financial services, with genuine hands-on depth in both BSA/AML and consumer compliance.
- Solid working knowledge of BSA/AML requirements, FinCEN regulations, and OFAC, including direct experience with SAR and CTR processes.
- Experience contributing to a consumer compliance programme covering UDAAP, Reg E, and complaints management, not just advising on it.
- Familiarity with multi-state MTL compliance and the regulatory expectations of state money transmission regulators.
- Experience working within or alongside a sponsor bank or BaaS compliance structure, and an understanding of how those relationships work under pressure.
- Strong written and verbal communication: able to produce clear compliance guidance, policy documents, and regulatory correspondence that the business and regulators can both rely on.
- Comfortable operating with limited day-to-day supervision, managing competing priorities across two compliance workstreams, and making sound judgement calls independently.
NICE TO HAVE
- CAMS certification (or near completion); CRCM is a further plus.
- Prior involvement in regulatory examinations or supervisory matters on BSA/AML or consumer compliance topics, including experience at an MSB, remittance company, or crypto firm.
- Exposure to OCC-supervised institutions or programme management in a consent order context.
WHY JOIN LEMFI?
Love shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion. We're changing this.
At LemFi, you won’t be just a cog in a machine. Whether designing products, scaling operations, or telling our story, you’ll tackle complex challenges with real, immediate impact. Your work goes beyond metrics - it puts money back in families’ pockets and offers access to the previously excluded. Join us to make a meaningful difference, where high performance is a lifeline for millions.
You can connect with us on LinkedIn https://www.linkedin.com/company/lemfi/ and Instagram https://www.instagram.com/uselemfi/ and if you haven't already, download the app on the App Store https://apps.apple.com/gb/app/lemfi/id1533066809 or Google Play https://play.google.com/store/apps/details?hl=en&id=com.lemonadeFinance.android.
