Senior Compliance Officer

Join an award-winning team! Auto. Pay. Plus was named a 2026 Orlando Top Workplaces winner by Orlando Sentinel Media Group. Auto. Pay. Plus (APP) is a growing fintech company dedicated to improving the financial lives of everyday consumers. Since 2003, we’ve served more than 250,000 members and processed over $5.65 billion in loan payments through long-standing partnerships nationwide.

Our mission is simple: help our members budget better, protect their credit, and become debt-free faster. We’re proud to have been recognized by the Orlando Business Journal as one of the Best Places to Work and continue to grow year over year, creating opportunities for our team and business. Why Join Auto. Pay. Plus?

Established company with more than 20 years of success Growing fintech environment with opportunities to make a meaningful impact Collaborative, team-oriented culture Commitment to doing the right thing for our members, partners, and employees Senior compliance role with direct access to executive leadership Opportunity to strengthen compliance practices, lead a team, and support responsible business growth Position Overview The Senior Compliance Officer serves as Auto.

Pay. Plus’ designated BSA/AML Officer and senior compliance leader. This role owns the design, administration, execution, and ongoing effectiveness of the company’s Bank Secrecy Act, anti-money laundering, and sanctions compliance program. Reporting directly to the EOS Integrator, CFO and COO, with regular reporting to the Board, this position combines hands-on program ownership with compliance team leadership.

The Senior Compliance Officer serves as the primary compliance contact for sponsor bank partners and leads risk assessments, customer due diligence, sanctions screening, suspicious activity monitoring and reporting, training, and audit remediation. This role works closely with Operations, Technology, Finance, and other departments to translate regulatory requirements and sponsor bank standards into practical procedures and effective controls.

Direct reports include the Junior Compliance Officer and Compliance Coordinator. The ideal candidate has directly led a BSA/AML program, brings strong operational judgment, and can manage detailed compliance work while communicating effectively with bank partners, auditors, executives, and the Board. This position is based in Orlando, Florida, and requires fully onsite work Monday through Friday.

Candidates must reside in the Orlando area. This role is not eligible for remote or hybrid work. What You’ll Do BSA/AML Program Ownership Serve as APP’s designated BSA/AML Officer, accountable for the design, administration, and effectiveness of the BSA/AML/OFAC program. Own and maintain the BSA/AML/OFAC Policy, supporting procedures, and Compliance Management System, including required reviews and approvals.

Complete the annual enterprise BSA/AML and sanctions risk assessment and present the results to the Board. Report program status, findings, suspicious activity reporting, and remediation progress to executive leadership and the Board on an established schedule. Monitor regulatory changes and coordinate updates to policies, procedures, controls, and business practices.

Customer Identification and Due Diligence Maintain Customer Identification Program (CIP) procedures, including escalation and decision processes for identities that cannot be verified, conditional use, and account closure. Own customer due diligence (CDD) and beneficial ownership procedures for business customers, including high-risk entities, publicly traded companies, and nonprofits.

Establish customer risk-rating methodology and triggers for enhanced due diligence (EDD). Define when expected activity and source-of-funds information must be collected and how it is documented. Sanctions Screening Oversee OFAC and watchlist screening at onboarding and on an ongoing basis, including timely list updates.

Establish and document screening match thresholds and fuzzy-logic settings. Test screening effectiveness at least annually and address identified gaps. Manage third-party screening vendors, including politically exposed person (PEP) screening. Monitoring and Suspicious Activity Reporting Maintain an inventory of suspicious activity and fraud monitoring controls and assess their effectiveness against identified risks and red flags.

Lead the internal Suspicious Activity Report (SAR) committee and oversee SAR decisions, filing, and documentation within applicable regulatory timelines. Partner with Technology to develop data-quality exception controls, including invalid identifiers, date-of-birth anomalies, and duplicate identification numbers or addresses.

Maintain clear records of monitoring reviews, escalations, decisions, and corrective actions. Sponsor Bank Relationships, Audits and Examinations Serve as the primary compliance contact for sponsor bank partners. Lead sponsor bank compliance reviews and coordinate resulting remediation. Coordinate the annual independent BSA/AML review and track findings through documented closure.

Support regulatory examinations, audits, and third-party compliance oversight. Coordinate timely, accurate responses to documentation requests and communicate significant findings to leadership. Training and Team Leadership Lead and develop the Junior Compliance Officer and Compliance Coordinator, establishing clear priorities, responsibilities, and accountability.

Own companywide BSA/AML/OFAC training, including role-specific training, knowledge testing, and training records. Coordinate consumer compliance training and oversee obligations involving UDAAP, GLBA privacy, and NACHA rules. Promote employee awareness of compliance responsibilities and encourage timely reporting of concerns.

Strengthen procedures, documentation, and collaboration across departments. What We’re Looking For At least 8 years of BSA/AML compliance experience in payments, money services, fintech, consumer finance, or banking. At least 3 years serving as a designated BSA/AML Officer or directly leading a BSA/AML program. Hands-on experience writing, implementing, and remediating CIP, CDD, beneficial ownership, EDD, OFAC, and SAR procedures.

Direct experience with sponsor bank oversight reviews, independent BSA audits, or regulatory examinations. Working knowledge of the Bank Secrecy Act, USA PATRIOT Act, FinCEN CDD Rule, and OFAC requirements. Ability to translate regulatory requirements into clear, usable policies, procedures, and operational controls. Strong leadership and collaboration skills, with the ability to establish priorities and hold team members accountable.

Sound judgment when identifying, communicating, and escalating compliance risks. Excellent written and verbal communication skills and strong attention to documentation. Ability to work effectively with bank partners, auditors, executives, and the Board. Bachelor’s degree. Must reside in the Orlando, Florida area and work fully onsite Monday through Friday.

Preferred Qualifications

CAMS certification strongly preferred. CRCM, CFE, or CCEP certifications are also valued. Consumer compliance experience involving UDAAP, GLBA, Regulation E, and NACHA Operating Rules. Background in ACH or payment processing. Experience building a compliance function within a growing organization of 100–500 employees. Familiarity with EOS/Traction.

Benefits

& Perks 401(k) with employer matching 100% company-paid health, dental, and vision insurance for employee coverage Life insurance Short- and long-term disability Generous paid time off Paid holidays and sick leave Casual dress code Team-oriented work environment Daily snacks and weekly team breakfasts Company-sponsored events and end-of-year celebration Equal Opportunity Employer Auto.

Pay. Plus is committed to a diverse and inclusive workplace. We are proud to be an equal opportunity employer and evaluate qualified candidates based on demonstrated skills and experience relevant to the role.