Compliance Manager Embedded Finance

Collectors is the leading creator of innovative technology that provides value-added services for collectors worldwide. We grade authenticate vault and sell millions of record-setting collectibles all while modernizing and digitalizing the process to further our mission of helping collectors pursue their passions. We’re always on the lookout for talented people to join our growing team.

Our services span collectible trading cards autographs comic books coins video games event tickets and memorabilia. Our subsidiaries include PSA PCGS Beckett SGC and Card Ladder.

Since our founding in 1986 we have graded and authenticated millions of items. We employ more than 3000 people across our headquarters in Santa Ana California and offices in New Jersey Texas Florida Japan Shanghai Hong Kong Canada Mexico Germany and France.

As part of our interview process we request that candidates have their cameras on during video interviews. This helps foster meaningful conversation and allows us to create an experience that closely resembles our standard working environment. Certain interview steps may take place by phone. For remote roles and at our discretion candidates may be asked to participate in an on-site interview as part of the final stages of the process.

We understand there may be occasional circumstances requiring accommodation and are happy to discuss them as needed. Your recruiter will be able to clarify expectations and answer any questions you have.

We are seeking a Compliance Manager Embedded Finance to join our team. In this role you’ll sit within the Collectors Financial Services Team and build the core compliance infrastructure that underpins our growing suite of financial services initiatives. You will oversee key compliance functions related to fraud KYC/CIP AML/BSA and sanctions and you’ll lead the design and rollout of a comprehensive Compliance Management System (CMS) across our evolving financial services and payments landscape. By combining the innovative spirit of a fintech startup with the stability and reach of a market leader in the collectibles industry we're creating business lines that empower clients with new financial services offerings. 

In addition to building the compliance infrastructure for our new embedded finance initiatives you will serve as the primary compliance leader supporting Collectors’ rapidly expanding marketplace ecosystem. This involves providing strategic oversight and regulatory guidance for transaction flows user verification (KYC/AML) and fraud prevention across all of our interconnected marketplace channels. You will partner closely with product operations and external partners to ensure secure compliant money movement and asset transfers within the PSA Vault the PSA eBay Store integration digital and physical repack platforms repack certification and our instant-liquidity platforms like PSA Exchange. By embedding robust compliance controls into these existing and future marketplace platforms you will safeguard our community while enabling a frictionless end-to-end buying selling and trading experience.

The Compliance Manager Embedded Finance will be the central partner to Legal Product Risk and Operations as well as our external partners. You will partner on designing new programs implementing scalable processes and owning the ongoing governance and monitoring to ensure we meet or exceed regulatory expectations.

This role reports to the Director Financial Services Strategy & Growth and can be remote. We believe that there is significant value in in-person collaboration. If you live within a 1 hour commuting distance to one of our offices you may be required to be onsite most of the time. This will be discussed further as part of the recruiting process. 

What You’ll Do:

Program & CMS Ownership

• Design implement and continuously enhance a comprehensive Compliance Management System (CMS) covering our embedded finance products including governance policies and issue management.
• Develop and maintain the compliance risk assessment framework documenting inherent and residual risk in alignment with partner financial institution expectations.
• Own and maintain written policies for KYC/CIP AML/BSA sanctions screening fraud prevention and key consumer compliance areas (e.g. UDAAP TILA/Reg Z FCRA).
• Establish relevant compliance committees and working groups driving clear documentation and escalation paths to senior leadership.

Financial Crimes (Fraud / KYC / AML / Sanctions)

• Oversee the design of KYC/CIP workflows across customer journeys including documentation of standards exception handling and QA.
• Partner with internal teams and external providers to define fraud and AML transaction monitoring rules and investigative playbooks.
• Serve as the primary compliance point of contact for AML/BSA and sanctions matters with our banking partners and other financial institutions.
• Oversee sanctions screening standards and ensure effective governance over screening tools.

Product Enablement & Monitoring

• Embed compliance requirements early in the product development lifecycle for new financial initiatives by partnering closely with the Financial Services Team Product and Engineering.
• Review and approve product flows marketing materials disclosures and customer-facing communications for regulatory compliance.
• Build and oversee compliance monitoring and testing plans including targeted reviews of collections servicing and complaints handling.
• Partner with internal Audit and external examiners to prepare for and respond to audits annual reviews and independent program 

Reporting & External Governance

• Define and manage the delivery of monthly and quarterly compliance reporting packages to sponsor bank.
• Serve as the central point of contact for regulatory inquiries and examinations.
• Manage the preparation document production and remediation tracking for all external audits and exams.
• Lead the coordination of annual regulatory reporting and audits ensuring all findings are addressed with robust scalable corrective actions.
• Proactively engage with bank partner compliance officers to align on risk appetite policy changes and the implementation of new regulatory guidance reviews.

Who You Are:

• Experience: 5+ years in financial services compliance with significant time spent in financial crimes (AML/BSA KYC fraud) at a bank fintech or BaaS platform ideally serving as U.S.-based Compliance Officer and BSA Officer.
• CMS Expertise: Demonstrated experience building or significantly enhancing a CMS for various embedded finance products.
• Regulatory Knowledge: Deep working knowledge of key U.S. regulations including BSA/AML USA PATRIOT Act OFAC UDAAP TILA/Reg Z and FCRA.
• Bank Partnerships: Hands-on experience partnering with banking-as-a-service partners or sponsor banks on program construction oversight and exams.
• Technical Background: Strong background in fraud strategy and controls including familiarity with identity verification and transaction monitoring tools.
• Certifications: Bachelor’s degree required; CRCM (Certified Regulatory Compliance Manager) or CAMS (Certified Anti-Money Laundering Specialist) is strongly preferred.
• Communication: Excellent written and verbal communication skills with the ability to translate complex regulatory requirements into practical business guidance.

Salary Range: The salary range for this position is $135000 – $165000. Actual compensation within this range varies based on a variety of factors including location job level experience and skill set. This role may be eligible for bonuses or other forms of compensation; please ask your recruiter for more details.

Reasons To Join Us:

• Health Insurance: All full-time employees are eligible to enroll in Medical Dental and Vision.
• Additional Benefits: Full-time employees are eligible for fertility commuter and educational assistance benefits.
• 401(K) Matching Plan: We are proud to offer a competitive 401k matching plan to support your future financial goals.
• Vacation: All salaried employees are eligible for flexible time-off.
• Holiday Pay: All regular full-time employees are eligible for ten company-paid holidays.
• Employee Discounts: Employees receive discounts on select grading services for approved submissions.

#LI-remote #BI-remote #BI-hybrid

Collectors uses e-Verify to validate your ability to work legally in the United States.

We are aware that there are instances where individuals are receiving job offers that fraudulently allege to be from Collectors or one of our business units. This type of fraud can be carried out through false websites through fake e-mails claiming to be from the company or through social media. We never ask for personal information such as your bank account Social Security numbers or National IDs nor do we send or request payments for the purchase of business-related equipment. If you suspect fraud please reach out to [email protected].

We are committed to equal employment opportunity regardless of race color ethnicity ancestry religion national origin gender sex gender identity or expression sexual orientation age citizenship marital or parental status disability veteran status or other class protected by applicable law. We believe that a team that represents a variety of backgrounds perspectives and skills will better service the diverse community of collectors we support.

If you require an accommodation to apply or interview with us due to a disability or special need please email [email protected].

U.S. residents: for disclosures relating to personal information we collect during the employment application and recruitment process please see our Privacy Notice for U.S. Applicants.

If you are based in California you can read information for California residents here.

What We Do

Collectors has multiple business lines that grade authenticate and sell millions of high-value record-setting collectibles. We're the leader in third-party authentication and grading services for high-value collectibles including trading cards (Professional Sports Authenticator and Card Ladder) coins (Professional Coin Grading Services) video games (Wata) event tickets autographs and memorabilia and with your help we can continue to grow rapidly. Our goal is to make the joy of collecting accessible to everyone - collectors looking to complete their set inventors looking to maximize the value of their collection and anyone who’s looking to preserve a game card or coin that reminds them of fond memories in their lives. We’re entering an exciting new stage of growth as a result of our acquisition in 2021 led by entrepreneur and sports card collector Nat Turner D1 Capital Partners L.P. and Cohen Private Ventures in addition to renowned athletes and collectors. We’re investing in scalable modern infrastructure to support the maturation of the industry increasing value of collectibles and demand for our services. Help us build a tech-enabled business for collectors. Our services span collectible coins trading cards video games event tickets autographs and memorabilia through our subsidiaries which include Professional Sports Authenticators (PSA) Professional Coin Grading Services (PCGS) Wata Certified Coin Exchange (CCE) Collectors Corner Set Registry Collectors.com and the Long Beach Expo collectibles trade show. Since our founding in 1986 we have graded and authenticated more than 80 million items. We employ over 1000 people across our Santa Ana CA headquarters New Jersey Seattle Hong Kong Paris Shanghai and Tokyo.

Why Work With Us

Collectors has long been the global leader in third-party authentication grading and valuation services for collectibles. This gives us the chance to disrupt the industry by applying technological advances to our services. We strive to be the most innovative organization in collectibles building an ecosystem that celebrates the joy of collecting

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