Regulation E Compliance Manager

About The Role:

We’re looking for an experienced Regulation E Compliance Manager to join our U.S. compliance team and ensure our cross-border remittance operations meet all applicable U.S. consumer protection requirements. You’ll be responsible for overseeing compliance with Regulation E (12 CFR Part 1005) and ensuring the company’s policies, procedures, and customer experience meet regulatory requirements and industry best practices. This is a hands-on role that combines regulatory expertise, operational oversight, and collaboration with product, legal, operations, and customer support teams. You’ll also play a key role in driving automation and optimization across compliance and operational workflows, leveraging technology to enhance efficiency, accuracy, and scalability in error resolution, transaction monitoring, and reporting processes.

What You'Ll Do (Responsibilities):

• Serve as the subject matter expert on Regulation E and Remittance Transfer Rule requirements applicable to U.S. money transmitters and cross-border transfers
• Develop, implement, and maintain compliance policies, procedures, and controls to ensure adherence to federal and state consumer protection laws.
• Provide regulatory guidance on new product launches, system changes, marketing materials, and customer communications affecting remittance transfers or other electronic transfers.
• Oversee the error and dispute resolution and disclosure processes for electronic fund transfers and remittance transactions, ensuring timely and accurate handling in accordance with Regulation E.
• Monitor and assess regulatory changes and guidance from the Consumer Financial Protection Bureau (CFPB) and other relevant regulators; update internal policies accordingly.
• Conduct periodic compliance testing and risk assessments to evaluate the effectiveness of Reg E controls.
• Prepare and deliver training to operations and customer support teams on Reg E obligations, error resolution, and customer complaint handling.
• Act as the point of contact for Reg E-related regulatory inquiries, audits, and examinations.
• Partner with Legal, Product, and Operations to identify and mitigate compliance risks in customer-facing processes and system configurations.
• Drive automation and optimization initiatives within Reg E compliance operations, leveraging technology and data analytics to improve the efficiency, accuracy, and scalability of related processes.
• Evaluate and enhance operational processes to reduce manual intervention, streamline investigations, and strengthen compliance oversight through workflow automation.
• Develop metrics and dashboards to monitor Reg E performance indicators, error resolution timeliness, and compliance effectiveness.

What You’ll Need To Be Successful In This Role:

• Bachelor’s degree.
• 5+ years of experience in consumer regulation compliance within financial services, preferably with a money transmitter, fintech, or payments company.
• Deep understanding of Regulation E and related CFPB regulations.
• Experience designing and managing error resolution and customer disclosure processes under Reg E.
• Strong communication and analytical skills with the ability to translate complex regulatory concepts into practical business guidance.
• Proven ability to collaborate across multiple teams.
• Prior experience interacting with the CFPB, state regulators, or third-party examiners.
• Working knowledge of international remittance operations, FX conversion, and payment processors.
• Experience with process automation and demonstrated ability to use data and technology to optimize compliance operations and identify process improvement opportunities.
• Strong project management skills with experience leading cross-functional automation or systems enhancement projects.
• Certifications such as CRCM, CAMS, or CCEP are a plus.

Why Join Paysend?

• Make a Global Impact: Directly impact millions of users worldwide
• Accelerate Your Career: Benefit from internal mobility, mentoring programs, and continuous learning opportunities
• Thrive in a Connected, Global Organization: Collaborate with colleagues across our international hubs and more
• Embrace a Principle-Driven & Focused Culture: Work in an organization guided by strong principles and values that actually help you achieve more than you thought possible
• Enjoy Competitive Compensation and Benefits: Receive a competitive salary, benefits, and flexible work arrangements