Audit Lead- MTLs and Regulatory Audits

Own and manage all U.S. regulatory audits and examinations, including state MTL exams, federal reviews, and independent third-party audits Serve as the primary point of contact for regulators, examiners, and external auditors throughout the audit lifecycle Plan, coordinate, and execute audit preparation activities, including document requests, walkthroughs, and control demonstrations Maintain audit readiness across all licensed states by ensuring policies, procedures, evidence, and records are current and defensible Track, manage, and report on audit findings, observations, and corrective action plans (CAPs), including timelines and ownership Partner with Compliance, Legal, Risk, Operations, Engineering, and Product teams to remediate audit findings and strengthen controls Support the development and maintenance of audit response playbooks, exam calendars, and standardized evidence repositories Review and challenge audit findings where appropriate, ensuring accurate representation of risk and controls Assist in enterprise-wide risk assessments, control testing, and ongoing compliance monitoring as they relate to MTL obligations Prepare audit summaries, metrics, and executive-level reporting for senior management and the Board Stay current on evolving regulatory expectations impacting MSBs, money transmission, and digital asset businesses Support regulatory change management initiatives as new state or federal requirements impact licensing or audit scope Perform other duties and responsibilities as assigned

Requirements

Bachelor’s degree or equivalent practical experience required 6+ years of experience in regulatory audits, compliance examinations, or audit management within a bank, MSB, fintech, or crypto company Direct experience managing state Money Transmitter License (MTL) exams strongly preferred Strong working knowledge of U.S. money transmission regulations, BSA/AML requirements, and regulatory examination processes Experience coordinating responses to regulators and external auditors, including document production and issue remediation Excellent organizational and project management skills, with the ability to manage multiple audits simultaneously Strong written and verbal communication skills, including experience drafting audit responses and executive summaries High attention to detail and ability to maintain clear documentation and audit trails Comfortable working independently and exercising sound judgment in high-stakes regulatory interactions CAMS, CRCM, CISA, or similar certification preferred but not required Ability to handle highly confidential information with discretion and professionalism

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