Compliance Manager (Fintech Infrastructure – Contract-to-Hire)

Job Title: Compliance Manager (Fintech Infrastructure – Contract-to-Hire → Future CCO)
Company: AC Tech
Location: Remote (Bay Area preferred)
Type: Contract-to-Hire (part-time retainer with expected conversion to full-time)

About the Role
AC Tech is building a new regulated fintech infrastructure initiative focused on MSB/MTL licensing, custodial fund flows, and Real-World Asset (RWA) products for private funds.

We’re hiring a hands-on Compliance Manager who can work across regulation, engineering, and product. This is not a pure policy-writing role – you’ll be directly shaping how compliance is implemented in the system (ledger logic, onboarding flows, audit logs, etc.).

The role starts as a contract engagement and is designed to grow into a senior compliance leadership position (future CCO) as licensing and product scale.

What You’ll Do

Regulatory & Licensing (MSB / MTL)

● Lead compliance deliverables for MSB registration and state money transmitter licensing

● Prepare compliance materials for banks (AML, KYC/KYB, sanctions, program summaries)

● Support regulator and bank due diligence, including questionnaires and follow-up

● Help structure ongoing reporting, renewals, and examination responses

AML & Onboarding Program

● Maintain AML, KYC, KYB, sanctions, and EDD policies

● Design onboarding flows that meet MSB/MTL requirements

● Build SAR / escalation workflows and basic transaction-monitoring rules

Compliance + Technology Integration

● Work closely with engineering to ensure:

○ KYC/KYB vendor data is correctly integrated

○ Ledger and custody flows are auditable and reconcilable

○ Admin approval logic and access controls align with regulatory expectations

○ Audit logs and dashboards support regulator/bank reviews

Future Tokenized RWA / Virtual Asset Work (Nice to Have)

● Support design of restricted transfer rules (e.g., ERC-1404)

● Help define wallet whitelisting / accreditation linkage

● Assist with on-chain / off-chain reconciliation requirements

Cross-Functional Leadership

● Partner with legal and engineering to review product features for compliance impact

● Train engineering/operations on compliance expectations

● Act as a bridge between US leadership and an engineering team based in China

What We’re Looking For

Required

● 3+ years experience in fintech, payments, MSB, crypto, or digital-securities compliance

● Strong understanding of MSB/MTL requirements and AML/KYC/KYB basics

● Experience working with KYC/RegTech vendors

● Comfort reading or discussing system diagrams, data flows, and audit logs

● Experience preparing materials for bank or regulator due diligence

● Clear communication with both technical and non-technical stakeholders

Nice to Have

● Experience with tokenization or digital securities (e.g., ERC-1404, restricted transfers)

● Experience with private funds (Reg D / Reg S / Reg A+)

● Background in transaction monitoring or sanctions screening

● Mandarin Chinese for collaboration with China-based engineers

● CAMS, CRCM, or similar certifications

Success Looks Like (First 6–9 Months)

● One custodial banking relationship approved

● First batch of state licensing applications fully prepared

● AML/KYC/KYB program operational and integrated into onboarding

● Core compliance dashboards and audit logs working

● Clear roadmap for virtual asset / tokenized RWA compliance documented

Compensation – Contract-to-Hire

● Contract: Estimated $5,000–$10,000 per month, depending on experience and hours

● Full-time conversion target: $160,000–$200,000 base salary + potential equity

How to Apply
Please send your resume and a brief note on your MSB/MTL or fintech compliance experience to jobs@ac-technology.com with subject line:

“Compliance Manager– Fintech Infrastructure”

Job Type: Contract

Pay: $5,000.00 - $10,000.00 per month

Work Location: Hybrid remote in Irvine, CA 92618