Fractional FinTech Compliance Officer (BSA/AML, KYC, Sponsor Bank)
We are an early-stage U.S. fintech startup preparing for sponsor-bank / Banking-as-a-Service (BaaS) onboarding. We’re looking for a Fractional FinTech Compliance Officer / Compliance Consultant to support us on a lean, part-time basis. Project Scope & Deliverables
Review and advise on our compliance setup for sponsor-bank readiness
Draft and/or review key compliance documents, including:
Fraud Risk Management Program
Transaction Monitoring Program
Customer Complaints & Error Resolution Program
Enterprise Risk Assessment (ERA)
Compliance Management System (CMS) overview
Provide light ongoing compliance guidance (no daily monitoring)
Required Experience
FinTech or payments compliance experience
Strong knowledge of BSA/AML, KYC/KYB, fraud risk
Familiarity with sponsor-bank expectations and U.S.
financial regulations
Experience drafting or reviewing compliance policies for startups
How We Work
Fully remote
Communication via email and occasional short calls
Clear expectations, practical approach, startup environment
We value efficiency, clarity, and direct communication
Budget & Time Commitment
Budget: up to $500/month
Time: approximately 5–10 hours per month
Please include in your proposal:
Brief summary of relevant fintech compliance experience
Confirmation you can work within this budget
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