Senior Compliance Director

Senior Compliance Director - Card Issuing & Cross‑Border Payments Join to apply for the Senior Compliance Director - Card Issuing & Cross‑Border Payments role at OTT Financial Group OTT Pay Inc. is an established, fully funded fintech company focused on delivering streamlined financial payment solutions. With a strategic focus on both acquiring and issuing business, we are developing a mobile‑first platform that offers a wide range of financial services, loyalty programs, and innovative products, including credit cards, payment solutions, e‑commerce, gift cards, and more. We are a results‑driven, forward‑thinking organization that values goal orientation and continuous improvement. We are seeking a highly experienced Senior Compliance Director specializing in Card Issuing and Cross‑Border Payments. This role is responsible for building, leading, and maintaining a robust compliance framework covering credit card issuance, cross‑border payments, and foreign exchange activities, in alignment with Visa and Mastercard rules and global regulatory standards. This is a key strategic role that directly impacts the scalability of card and cross‑border businesses, the company’s credibility with banks and card networks, and readiness for investment banking due diligence and IPO. Benefits Competitive salary depending on experience, plus performance bonus Extended Health, Dental, and Vision Benefits Life and Disability Insurance Generous Vacation Leave Centrally located modern and spacious office close to Eglinton and Leslie Free use of onsite gym and sports facilities, and regular company social events Learning and professional development support Tremendous opportunities for growth and development What You’ll Contribute Card Issuing Compliance Lead compliance governance for credit cards, prepaid cards, and debit cards. Interpret and implement Visa and Mastercard rules, BIN responsibilities, and issuer obligations. Review card product structures, usage scenarios, MCC controls, and geographic restrictions. Oversee chargeback management, fraud ratios, dispute monitoring, and network risk thresholds. Cross‑Border Payments & FX Compliance Design and manage compliance frameworks for cross‑border payment flows. Ensure regulatory compliance for FX, exchange rate mechanisms, and fund usage. Oversee AML, CTF, sanctions screening, and transaction monitoring across jurisdictions. Regulatory & Authority Liaison Act as the primary liaison with regulators, card networks, sponsor banks, and issuing partners. Lead license applications, ongoing regulatory reporting, audits, and remediation actions. Support government and regulatory examinations and reviews. Internal Governance & Risk Collaboration Develop and maintain compliance policies, procedures, and internal controls. Partner closely with Product, Technology, Risk, and Operations teams. Hold escalation and veto authority on material compliance and regulatory risks. IPO & Investment Banking Support Support IPO and pre‑IPO compliance readiness. Participate in investment banking and legal due diligence. Clearly document entity obligations, responsibility boundaries, and risk disclosures. Experience & Expertise Minimum 10 years of experience in financial services compliance. Hands‑on experience in at least two of the following: credit card issuing, prepaid/debit cards, cross‑border payments, foreign exchange, Visa/Mastercard programs. Prior experience at issuing banks, sponsor banks, global payment institutions, or large fintech companies. Ability to design compliance frameworks from the ground up. Strong understanding of product structures, system architecture, and fund flows. Ability to balance regulatory requirements with business execution. Strong judgment and decision‑making under pressure. Multi‑jurisdiction compliance experience (North America plus Asia or Europe). (Nice to have) IPO or pre‑IPO compliance experience. (Nice to have) Experience with BIN migration or sponsor‑to‑principal issuer transitions. (Nice to have) Office Location: 1123 Leslie Street, North York Schedule: Mon – Fri, 9:00am to 5:30pm OTT Financial Group is committed to fostering an inclusive and accessible environment where all employees feel valued and respected, and where every employee can realize their potential. We are committed to providing reasonable accommodation, if required, and will work with you to meet your needs. We appreciate all applicants for their interest; however, only those candidates selected for an interview will be contacted. #J-18808-Ljbffr