Director, Compliance

Relay is a digital banking platform that gives self-made business owners the tools and know-how to be great with money—bringing clarity, confidence, and control to every dollar earned, so they can turn hard work into lasting success. We do this by replacing financial guesswork with real visibility, transforming cash flow from a constant source of stress into a clear signal owners can use to run stronger, more resilient businesses. Relay is scaling rapidly, and Compliance is the pillar that determines how fast we can scale safely. We've set ourselves ambitious goals for the next five years: growing transaction volume nearly 9x, launching credit and lending products, and expanding what we do for customers every single year. These are aspirations, not certainties — and hitting them depends on having a compliance program that is genuinely excellent. Not one that slows the business down, and not one that waves things through. We're looking for a leader who believes those two things are the same problem, solved with better data, better design, and better evidence — and who wants to be the person who helps us get there. As Director of Compliance , you'll own Compliance Strategy and Operations end-to-end: AML, sanctions, KYB/CDD, regulatory change, monitoring and testing, and the operational engine that runs it all. You'll own the compliance relationship with our sponsor bank — from day-to-day partnership through exams, audits, and new product approvals. And you'll build the team behind it, setting the standard for what "good" looks like as we grow. This is a build role, not a maintain role. The program you design becomes the thing that unlocks launch velocity with our banking partner, opens the door to banking-infrastructure optionality, and lets us bring products to market at the pace our customers need. You'll be building it with a Risk organization that is investing heavily in unified decision data, entity resolution, and agentic operations — which means your program can be evidence-driven and automated in ways that most compliance functions still only talk about. At Relay, your work has real reach — helping millions of SMBs operate safely and confidently, while protecting the integrity of our banking partnerships and our license to operate. If you want to build a modern compliance function from the ground up, with the mandate and the tooling to do it properly, this is the role for you.

Own the Compliance Program: Build and own Relay's compliance program end-to-end — AML, sanctions, KYB/CDD, and regulatory compliance — including the policies, procedures, risk assessments, and controls that underpin it across every product and rail Program Governance: Be accountable for program effectiveness — investigations and suspicious activity governance, escalation paths, issue management through to validated remediation, and the internal standards that keep the program defensible Sponsor Bank Partnership: Own the compliance relationship with our sponsor bank — day-to-day partnership, exam and audit readiness, issue resolution, product approvals, and the management information package that demonstrates our control environment Build an Evidence Engine: Design the monitoring, testing, and reporting infrastructure that lets us prove control effectiveness with data rather than assertion — producing a complete, examination-grade customer risk picture in hours, not weeks Financial Crimes Strategy: Set the strategy for transaction monitoring, investigation, and suspicious activity reporting — designing detection that meets the highest regulatory standard while keeping legitimate customers moving Perpetual KYB & Customer Diligence: Move us from periodic review to continuous re-verification — ownership drift, entity status, industry change, adverse media — with a particular eye on synthetic business identity, the fastest-growing attack on SMB fintech Enable the Business: Partner with Product,