What are the responsibilities and job description for the Regulatory & BSA Compliance Lead position at Check?
Building at Check
At Check, we make paying people simple. In doing that, we're not just building our own business— we're building payroll businesses together with every one of our partners. As the inventors of embedded payroll, we're redefining how people get paid and making it easier for payroll businesses to launch, grow, and thrive. Check out the full story | Tune in.
Check is far more than just API infrastructure. We're a springboard for building and scaling payroll businesses.
Our Team
Payroll is broken. Come fix it alongside a team that's as passionate as you are! At Check, you'll use creative problem-solving, critical thinking, and grit to impact every business we build. We view problems to solve and jobs to be done as opportunities to contribute to the solution; we ignore conventional role boundaries in favor of the unique strengths and value each builder brings to our team and to our mission.
Join us if you're ready to roll up your sleeves and redefine payroll. Let's simplify the complex, make a real impact, and create a better future for businesses of every size.
The Work
Legal & Regulatory Compliance at Check helps teams move fast while staying grounded in trust. We translate complex financial regulations into scalable systems that protect our partners, their customers, and the people who get paid through Check.
As Check's money movement grows, we are expanding our compliance capabilities. We're hiring a Regulatory & BSA Compliance Lead to oversee BSA/AML and state money-transmission compliance, lead audits and examinations, and develop the systems that ensure Check and our partners operate with confidence. This role mixes strategy with hands-on execution and works closely with Legal, Finance, Product, and our banking partners.
In this role, you will:
Many backgrounds could fit this role, but ideal candidates will have some or all of the following:
Travel and Office Policy
The Check team is distributed across the US, with offices in New York City and San Francisco. While we embrace remote work, time together in person is where we do our best work. We offer ample opportunities and encourage employees to attend team off-sites, events, and hackathons a couple of times a year! We expect all employees to attend our annual 3-day company retreat in the fall.
For our in-office and hybrid employees, our offices are open all week. We provide meals on Tuesdays and Thursdays, and the team hosts regular happy hours, game nights, etc.
What we offer:
For full-time employees, Check offers company-sponsored medical, dental, vision, short-term/long-term disability, and basic life insurance coverage, effective on their first day of work. We also provide stock options, flexible PTO and sick leave, up to 16 weeks of fully paid parental leave for all new parents, flexible return-to-work, 9 annual holidays, a 401 (k) retirement plan, and a $100 monthly stipend for home internet and mobile phone expenses.
The actual annual salary for this role is dependent on each candidate's experience, qualifications, and work location:
Remote work at Check requires the ability to perform all responsibilities without distraction or disruption, while maintaining quality, effective communication, and productivity.
Check is proud to be an Equal Opportunity employer. We do not discriminate based on race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, provided they are consistent with applicable federal, state, and local laws. Check is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process.
Check participates in E-Verify and will provide the federal government with Form I-9 information from all new employees to confirm that they are authorized to work in the U.S. Check does not use E-Verify to pre-screen applicants.
At Check, we make paying people simple. In doing that, we're not just building our own business— we're building payroll businesses together with every one of our partners. As the inventors of embedded payroll, we're redefining how people get paid and making it easier for payroll businesses to launch, grow, and thrive. Check out the full story | Tune in.
Check is far more than just API infrastructure. We're a springboard for building and scaling payroll businesses.
Our Team
Payroll is broken. Come fix it alongside a team that's as passionate as you are! At Check, you'll use creative problem-solving, critical thinking, and grit to impact every business we build. We view problems to solve and jobs to be done as opportunities to contribute to the solution; we ignore conventional role boundaries in favor of the unique strengths and value each builder brings to our team and to our mission.
Join us if you're ready to roll up your sleeves and redefine payroll. Let's simplify the complex, make a real impact, and create a better future for businesses of every size.
The Work
Legal & Regulatory Compliance at Check helps teams move fast while staying grounded in trust. We translate complex financial regulations into scalable systems that protect our partners, their customers, and the people who get paid through Check.
As Check's money movement grows, we are expanding our compliance capabilities. We're hiring a Regulatory & BSA Compliance Lead to oversee BSA/AML and state money-transmission compliance, lead audits and examinations, and develop the systems that ensure Check and our partners operate with confidence. This role mixes strategy with hands-on execution and works closely with Legal, Finance, Product, and our banking partners.
In this role, you will:
- Serve as Check's BSA Compliance Officer, owning and updating the BSA/AML and sanctions program, including drafting policies and procedures, building controls for KYC, investigating suspicious activity, filing SARs, transaction monitoring, team training, and annual program reviews.
- Lead state money-transmission compliance, including licensing, renewals, reporting, and day-to-day regulator engagement.
- Serve as the central point of contact for regulatory audits and partner-bank reviews, and ensure company-wide audit readiness.
- Prepare and submit required regulatory filings, partnering with Finance, Legal, and outside counsel on documentation tied to MTL obligations.
- Maintain and evolve the Compliance Management System, ensuring policies and controls are accurate, accessible, and actionable.
- Use technology to streamline filings, reporting, monitoring, and internal workflows.
- Track and implement remediation items arising from audits, exams, or regulatory findings.
- Report key AML and MTL risks, trends, and program updates to executive leadership and the Board.
- Build strong, collaborative relationships with regulators, banking partners, and industry peers.
Many backgrounds could fit this role, but ideal candidates will have some or all of the following:
- Bring 5 years of experience in fintech, payments, banking, or regulatory compliance, with direct exposure to AML/BSA/OFAC and money-transmission licensing requirements.
- Hold an ACAMS, CRCM, or bring equivalent expertise in BSA/MTL compliance.
- Have implemented and scaled a cross-functional MTL compliance program
- Have led state exams, partner-bank audits, or regulatory assessments from preparation through resolution and remediation.
- Are comfortable owning both program strategy and execution, including drafting policies and preparing filings.
- Communicate clearly, navigate ambiguity with sound judgment, and influence across teams.
- Use technology to make compliance scalable and efficient.
- You are a builder at heart, comfortable rolling up your sleeves and driving outcomes independently.
Travel and Office Policy
The Check team is distributed across the US, with offices in New York City and San Francisco. While we embrace remote work, time together in person is where we do our best work. We offer ample opportunities and encourage employees to attend team off-sites, events, and hackathons a couple of times a year! We expect all employees to attend our annual 3-day company retreat in the fall.
For our in-office and hybrid employees, our offices are open all week. We provide meals on Tuesdays and Thursdays, and the team hosts regular happy hours, game nights, etc.
What we offer:
For full-time employees, Check offers company-sponsored medical, dental, vision, short-term/long-term disability, and basic life insurance coverage, effective on their first day of work. We also provide stock options, flexible PTO and sick leave, up to 16 weeks of fully paid parental leave for all new parents, flexible return-to-work, 9 annual holidays, a 401 (k) retirement plan, and a $100 monthly stipend for home internet and mobile phone expenses.
The actual annual salary for this role is dependent on each candidate's experience, qualifications, and work location:
- The expected range in San Francisco, NYC, LA, and Seattle is between $177,000 and $194,700.
- For all other locations, the expected range is between $150,500 and $165,550.
Remote work at Check requires the ability to perform all responsibilities without distraction or disruption, while maintaining quality, effective communication, and productivity.
Check is proud to be an Equal Opportunity employer. We do not discriminate based on race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, provided they are consistent with applicable federal, state, and local laws. Check is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process.
Check participates in E-Verify and will provide the federal government with Form I-9 information from all new employees to confirm that they are authorized to work in the U.S. Check does not use E-Verify to pre-screen applicants.
Salary : $150,500 - $194,700
