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 $135,000 – $165,000. 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

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