Senior Risk & Compliance Analyst

Mozaic.io is a fast-growing payments startup focused on facilitating payouts to creators and their collaborators all over the world. Our dynamic and collaborative team is dedicated to revolutionizing the way creators get paid. The company has offices in Chicago and Nashville, and aims to make compensation as equally distributed as talent is in the Creator Economy.

Hybrid Work Schedule:

For applicants residing in or near Nashville, this position will follow a hybrid work schedule. Employees will be required to work in the office 2 days one week and 3 days the following week.

As a Sr. Risk & Compliance Analyst at Mozaic, you will play a key role in ensuring the integrity of our operations as we continue to grow in the fast-paced world of fintech and payments. As part of a dynamic, cross-functional team, you will help maintain compliance with regulatory requirements and mitigate risks associated with our payment platform. This role requires a strong background in AML (Anti-Money Laundering), anti-bribery, fraud prevention, and risk management, with required experience in the fintech, banking, or payments industry. You will work under the leadership of our CEO & SVP of Growth.

• Lead and manage day-to-day compliance operations, focusing on AML, anti-corruption, anti-bribery, fraud prevention, risk management, and sanctions compliance (OFAC).
  
• Develop and embed a risk-aware culture, including quantifying the company's 'risk appetite' and ensuring that risk management strategies align with organizational goals and regulatory requirements.
  
• Identify opportunities for automation to streamline compliance processes and reduce reliance on manual intervention.
  
• Monitor regulatory changes, assess impacts, and proactively update policies and procedures to ensure compliance with evolving laws and regulations.
  
• Perform risk assessments to identify and evaluate compliance risks, and develop action plans to mitigate any identified risks and enhance overall compliance posture.
  
• Investigate and report suspicious transactions, preparing reports for regulatory authorities as required.
  
• Provide compliance-related guidance and training to internal teams, ensuring understanding and adherence to company policies and regulatory requirements.
  
• Work cross-functionally with product, engineering, and operations teams to ensure compliance is embedded in our products and processes.
  
• Ensure senior management remains informed of regulatory, legislative, and best practice changes, advising on their obligations and how these changes may impact the company and its products
  
• Collaborate with the legal team to manage any external audits, regulatory inquiries, or investigations.

Requirements

• 5+ years of experience in risk and compliance within the fintech, payments, or banking industry.
  

• CAMS (Certified Anti-Money Laundering Specialist), Certified Anti-Money Laundering Professional (CAMP), or similar certification required.
  
• In-depth knowledge of AML, anti-corruption, anti-bribery, risk management, and fraud prevention practices.
  
• Experience with international KYC/KYB processes, ensuring compliance with local and global regulations.
  
• Familiarity with OFAC regulations and sanctions compliance.
  
• Experience working in a fast-paced startup environment and managing evolving compliance needs.
  
• Ability to work cross-functionally with different departments, including product, operations, and legal.
  
• Excellent communication skills, with the ability to translate regulatory concepts into practical solutions.
  
• Working in the CT time zone is required for this role.

• Experience with cross-border payout compliance is a plus.

Benefits

Mozaic values our employees highly, and to best support them, we offer a wide array of benefits:

• Medical, Dental, and Vision coverage
• Premiums 100% covered by Mozaic
• EAP Access through Spring Health
• Weekly pay
• 401K
• Mozaic matches up to 6%
• Immediate vesting of company contributions
• Paid Time Off
• Unlimited PTO
• Sick time
• Holiday schedule - andyour birthdayis a Holiday!
• Continual learning and development opportunities
• Professional organization memberships
• Certifications and / or degree programs
• Learning management systems access
• Conference attendance
• Company-provided technology
• You pick: Mac or Windows?