Compliance Officer

Compliance Officers, Ledn is interested in hearing from you!

Ledn is a global financial services business built for digital assets, helping to improve the everyday lives of Bitcoin holders while building generational wealth for the future. We offer a suite of egalitarian lending, savings and trading products to digital asset holders in over 120 countries around the world. Through our products & services, we can make a difference in the lives and futures of our clients - in real terms.

Our team at Ledn is a passionate group of individuals from diverse backgrounds. What we all have in common is an unshakeable conviction that digital assets can democratize access to the global economy and Ledn’s suite of products & services can play a critical role in doing so. The core values that guide us are: act with integrity always, own it, have a passion for progress, and lead with empathy. Combining these values with our conviction make Ledn an unstoppable force in changing the world for the better. Come join us as we build, innovate and revolutionize financial services!

The Opportunity:

Ledn is seeking a full time US Compliance Officer who will oversee compliance for Ledn’s US business and also serve as the designated Bank Secrecy Act / Anti-Money Laundering (“BSA/AML”) Officer for Ledn’s US entity. This role will be responsible for designing, implementing, and maintaining Ledn’s US BSA/AML and sanctions compliance program, overseeing US consumer lending and other regulatory obligations, and acting as a key liaison with federal and state regulators.

The ideal candidate brings deep knowledge of US financial regulations (including BSA/AML, OFAC, and state lending regimes), financial services/fintech/crypto experience, and the ability to build a robust, risk-based compliance framework in a fast-growing environment.

This role reports to Ledn’s Global Head of Compliance.

About the Role:

BSA/AML/Sanctions Compliance

• Serve as the designated BSA/AML Officer for Ledn’s US entity, with responsibility for the design, implementation, and ongoing enhancement of the US BSA/AML and sanctions compliance program, consistent with regulatory expectations with respect to documented policies and procedures, independent testing and audit, ongoing training, customer due diligence / beneficial ownership, and designation and oversight of AML operations.
• Conduct and periodically refresh the US BSA/AML and sanctions risk assessment and ensure corresponding controls are calibrated to risk.
• Ensure compliance with applicable BSA reporting and record-keeping obligations.
• Act as the primary point of contact for OFAC matters, including investigation and escalation of potential sanctions hits.

Regulatory Oversight & Licensing, Consumer Lending & Financial Protection Compliance

• Serve as the Compliance Officer for Ledn’s US entity, overseeing compliance with applicable federal and state regulatory requirements.
• Support the application for, and ongoing maintenance of, the California Finance Lender (“CFL”) Licence, ensuring full adherence to California’s Department of Financial Protection and Innovation (“DFPI”) rules, reporting obligations, supervisory expectations, and examinations.
• Support Ledn’s ambitious US expansion strategy, including additional state licensing (where required), potential federal licensing (should such a regime emerge), or bank partnerships.
• Monitor and interpret emerging laws, regulations, and enforcement trends related to digital assets, lending, money transmission, custody, and consumer protection across the US.
• Own regulatory filings and notifications, including licence renewals, periodic reports, and change-in-control amendments.
• Lead, coordinate, and respond to state and federal regulatory inspections, audits, and exams, including managing remediation plans.
• Oversee compliance with US consumer lending laws applicable to Bitcoin-backed loans, including disclosure rules, APR/fee limits, interest-rate caps, fair lending, and servicing requirements.
• Closely monitor and interpret regulatory developments from the Consumer Financial Protection Bureau (“CFPB”) and state authorities, including consumer credit and state unfair & deceptive practices (“UDAAP”) obligations.
• Deliver US-specific compliance training and awareness programs to ensure teams understand state and federal legal and regulatory obligations.

Risk Management & Compliance Governance

• Oversee risk assessments (including third party vendor assessments), controls testing, and thematic reviews as they relate to Ledn’s US entity, and provide risk reporting to the Global Head of Compliance.
• Collaborate with Ledn’s global Compliance, Legal, Product, Operations, and Engineering teams to ensure US requirements are integrated into product workflows.

Required:

• 5+ years of experience in compliance, regulatory, or legal roles within fintech, consumer lending, crypto, banking, and/or payments.
• Strong knowledge of US financial regulations, especially state lending laws, BSA/AML FinCEN rules, and OFAC.
• Knowledge and experience of UDAAP obligations and privacy requirements.
• Familiarity with crypto-asset markets, custody, blockchain analytics, and digital asset compliance best practices.
• Experience interacting with regulators such as the California DFPI, other state agencies, FinCEN, the CFPB, or federal banking regulators.
• Ability to lead regulatory filings, exams, audits, and remediation plans with minimal supervision.
• Excellent judgment, communication skills, and the ability to work across functions in a fast-moving international environment.
• Excellent technology skills and comfortable with learning new tools, including AI.
• Employment is contingent upon successful completion of applicable background checks, in compliance with federal and state law.
• Applicants must be legally authorized to work in the United States. Ledn does not currently sponsor employment visas.

Preferred:

• Experience with e-KYC platforms (eg. Persona, Sumsub), blockchain analytics tools (eg. Chainalysis, TRM Labs) and sanctions screening platforms (eg. ComplyAdvantage, World-Check).
• Compliance certifications such as CAMS or CRCM are beneficial.

Culture Fit:

We’re looking for more than just operational excellence — we want an individual who thrives in a startup or tech environment and embodies our values. The ideal candidate will:

• Have a passion for progress by being adaptable and resilient, and is comfortable navigating ambiguity in a high-growth, fast-paced environment.
• Have a builder’s mindset, excited to create, iterate, and scale.
• Be a collaborative partner, able to influence across functions and cultures with empathy and clarity.
• Demonstrate integrity and accountability, especially in managing confidential information across multiple teams.
• Have previous experience working successfully in a remote-first environment.

A Taste of What We Provide:

• As one of the world’s leading digital asset businesses, we provide tremendous growth opportunities.
• Comprehensive, best-in-class total rewards package that starts on your first day!
• We offer a competitive PTO package that ensures you have the time off you deserve.
• Ownership in the business. Through shared equity, Ledn staff are stakeholders in the business and the future of the digital economy.
• Benefits include pension and medical insurance.
• We offer every staff member the opportunity to work remotely anywhere in the world for 180 days.
• A career that provides you with purpose in your job. We remove barriers so you love what you do.

The base salary range for this role is $130,000 – $150,000 USD, depending on experience, skills, internal equity and location.

Ledn is an Equal Opportunity Employer. We do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, veteran status, or any other status protected by applicable federal, state, or local law.

Ledn is committed to providing reasonable accommodations to qualified individuals with disabilities. You may reach out to the Ledn team by emailing accessibility@ledn.io for accommodation requests throughout all stages of the recruitment process. Requests will be addressed confidentially.

Ledn Working Environment: Our Ledn team is truly global in nature with our people spanning across North America, Latin America, South Africa and Europe. We are a remote first environment.

Please note, due to the high volume of applications, only those applicants that qualify will be contacted.

No agencies or recruiters please. We do not accept unsolicited agency resumes and we are not responsible for any fees related to unsolicited resumes.