Fractional AML Compliance Officer

Fractional AML Compliance Officer (AMLCO) – USA (Remote)

Engagement: Part-time, Fractional

Location: Miami, FL or Remote (U.S.)

Reports to: Senior Management, LCX USA

About the Role

LCX is launching a regulated centralized digital asset exchange in the United States, alongside its next-generation Web3 and DeFi product suite. We are seeking a Fractional AML Compliance Officer (AMLCO) to oversee the firm's FinCEN Money Services Business (MSB) obligations, U.S. Money Transmitter Licensing (MTL) requirements, and banking compliance relationships.

This is a strategic compliance leadership role focused on regulatory readiness, banking partnerships, and stakeholder engagement. The AMLCO will serve as the primary liaison with regulators, banking partners, and external counsel while ensuring that LCX USA maintains a robust, scalable, and regulator-ready compliance framework.

Please note that this is not the SAR signing officer role. The AMLCO will oversee the AML compliance framework, ensuring escalation procedures and SAR processes are appropriately documented and functioning, while filings and approvals remain with designated internal personnel.

Responsibilities

• Act as the primary compliance contact for FinCEN, regulatory agencies, and banking partners.
• Support Money Transmitter Licensing (MTL) applications, renewals, regulatory filings, and ongoing compliance obligations across relevant U.S. jurisdictions.
• Manage compliance interactions during bank onboarding, periodic due diligence reviews, and ongoing compliance assessments.
• Maintain regulator-ready compliance documentation, including AML policies, Enterprise-Wide Risk Assessments (EWRA), training records, independent testing reports, and policy documentation.
• Coordinate with external legal counsel and compliance consultants on regulatory matters, licensing requirements, and banking partner requests.
• Provide periodic compliance updates and risk assessments to senior management.
• Support regulatory examinations, audits, and banking reviews by ensuring documentation is complete, accurate, and readily available.
• Ensure AML governance, escalation procedures, and compliance controls remain effective and aligned with regulatory expectations.

Requirements

• 3+ years of AML/BSA compliance experience within crypto, fintech, banking, payments, or Money Services Businesses (MSBs).
• Strong understanding of FinCEN regulations, AML/BSA requirements, and U.S. Money Transmitter Licensing (MTL).
• Experience working directly with regulators, banking partners, auditors, and external legal counsel.
• Excellent written and verbal communication skills with strong documentation capabilities.
• Ability to manage multiple stakeholders and work independently in a fast-paced startup environment.
• Strong analytical, organizational, and problem-solving skills.

Preferred Qualifications

• CAMS or an equivalent AML/Compliance certification.
• Previous experience as an AMLCO, MLRO, or Senior AML Compliance Manager.
• Experience within cryptocurrency, blockchain, digital assets, or stablecoin businesses.
• Prior experience supporting regulatory examinations and banking partner due diligence.

Engagement & Compensation

• Part-time / Fractional engagement.
• Flexible hourly rate or monthly retainer based on experience and scope.
• Designed to scale alongside LCX USA's regulatory and business milestones.