US Regulatory Compliance Officer

Join Zepz: Breaking Down Borders, Together Our Meaningful Mission At Zepz, we're all about breaking down barriers for our customers and our teammates. Our purpose is deeply personal, we provide a lifeline and deliver opportunities to cross-border communities that need it most through cutting edge finance and tech. Zepz is the power behind WorldRemit and Sendwave, driven by the mission to celebrate the incredible impact migrants have, both at home and abroad. We're not just moving money; we're building a world that truly recognizes and supports global connections. Who You'll Be Joining We look for mission-driven builders who thrive in a fast-paced environment connected to a true purpose. We're an always developing team of experts that enjoy problem solving and bring clarity to tough challenges. At Zepz, we are Relentless Learners, always seeking feedback, and Responsible Owners, treating company resources like your own. We depend on Transparent Communicators who keep the team aligned through open, honest talk. Our Core Commitments - What We Live By Our vibrant and truly diverse culture is built on three core commitments, that guide how we work and interact: • Integrity: We always do the right thing. It's simple, but it's the foundation of everything we build for our customers and each other. • Outcomes: We work for our customers. Their success and prosperity are the results we focus on delivering. • Velocity: We are fast! We maintain high energy levels and make smart decisions quickly, keeping us nimble and ahead of the curve. Perks of Joining Our Team We believe in empowering colleagues because we genuinely trust our team. Our culture is founded on this high trust, which naturally encourages the high ownership that drives us to meet our shared high expectations and deliver high performance. Our remote-first culture means you have the flexibility to work in your employing country wherever you feel the most focused and productive. This freedom comes with wonderful tailored, location-specific perks designed to support your whole life, not just your work. Think unlimited annual leave , great healthcare benefits, and employee discounts. We want you to thrive and focus entirely on making your biggest impact! In turn, we expect you to bring high ownership and commitment to your work. This is a place where we value trust and high performance, and we'll provide the environment and support needed for you to excel. About the role The US Regulatory Compliance Officer will be the go-to individual for all regulatory compliance and consumer protection issues for our business in the United States. This person has to be highly knowledgeable about American regulatory and consumer regulations (such as Reg-E and UDAAP) and remain abreast of regulatory developments in the US. This person will also support the organization on exam and licence management. As a member of the Zepz Compliance team you will aim high, embrace challenges and always do what's right. You will enable and protect the business whilst acting with integrity and building trust, as you contribute to the company's innovation, direction and long-term decision making. What you will own • Interpret and apply federal, state, and international regulatory requirements relevant to the business (e.g., MSB state regulations, permissible investments regulations, consumer protection laws, and payment services regulations). • Provide day-to-day guidance to Product, Engineering, Operations, Marketing, Risk and other teams on new initiatives, regulatory obligations, and compliance risks. • Provide support with licence and exam management. • Review and sign off on marketing materials, customer communications, new products, features and business changes to ensure regulatory adherence (e.g., UDAAP, Reg E, TCPA) and monitor for regulatory updates related to those. • Oversee the regulatory complaints handling process and respond directly to state and federal regulatory complaints. • Oversee the error assertions process per Reg E standards. • Coordinate abandoned-property reporting and other state-mandated regulatory submissions. • Promote a strong compliance culture by advising the business on ethical practices, regulatory expectations, and risk-mitigation strategies. • Provide training and/or draft training materials. What we're looking for from you • Experienced US Regulatory Compliance Officer, who has previously overseen application of Reg E, UDAAP and related regulations, ideally at a payments fintech - though candidates with broader Financial Services backgrounds will also be considered. • Experience of licence and exam management would be beneficial. • Ability to work within ambiguity and fast-paced environment • Engaged in the day-to-day details of the role, whilst never losing strategic oversight of the control framework and having the gravitas to speak with senior stakeholders internally. • Can manage the tasks of the day while scanning the horizon for future threats/changes. If you want to join us in our journey to help break barriers in financial access and improve lives globally, there's no better place or time to join. Our global team of 800+ people is spread across six continents. We aspire to hire the best mix of people from former Olympians to YouTube influencers and we speak over twenty languages. This incredible diversity isn't a bonus; it's the engine that lets us serve the world. Ready to Apply? Let's Go. Apply tot his job