Compliance Officer at Mudflap

Palo Alto, California, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Trucking, PaymentsIndustries

Requirements

8+ years of compliance experience in a fintech, payments, logistics, or regulated tech environment
Deep knowledge of compliance frameworks relevant to financial services and/or marketplace platforms
Proven ability to build compliance programs from the ground up and scale them
Comfortable balancing structure with flexibility in a startup environment
Excellent judgment, communication, and stakeholder management skills
High integrity and a proactive, collaborative mindset
Experience with AML/BSA programs or working with MSBs
Familiarity with PCI DSS and privacy regulations (e.g., CCPA)
Experience working closely with executive leadership and external counsel
Background in legal, risk, or audit functions is a plus

Responsibilities

Develop and manage compliance frameworks for commercial financing and deposit account programs, ensuring adherence to federal and state laws
Work with Product and Legal teams to structure and review commercial financing and deposit account products to align with regulatory requirements, including disclosures, underwriting standards, and servicing practices
Develop and maintain company-wide compliance programs and risk controls, including those related to underwriting, fraud, payments, privacy, and vendor oversight
Stay current on regulatory requirements relevant to Mudflap’s business (e.g. Reg B, FCRA, UDAAP, FTC, AML/BSA, PCI, data privacy laws) and lead implementation efforts where needed
Partner cross-functionally with Legal, Product, Finance, and Operations to advise on compliance risks and embed controls into business processes
Own the compliance training program for employees and support external audits and regulatory inquiries
Establish monitoring systems to assess compliance risks across Mudflap’s lending-related offerings and ensure timely remediation of any findings
Establish and manage internal reporting mechanisms for potential violations or concerns
Serve as a trusted advisor to the executive team and help foster a culture of transparency and accountability

Skills

Regulatory Compliance

AML

BSA

FCRA

UDAAP

FTC

PCI

Data Privacy

Underwriting Standards

Fraud Prevention

Risk Controls

Vendor Oversight

Commercial Financing

Deposit Accounts

Mudflap

Mobile app for fuel savings and discounts

About Mudflap

Mudflap offers a mobile app and fleet card that help independent truck drivers and small fleet owners save money on fuel. The app allows users to access discounts at truck stops without a credit check and includes features like live support and receipt management. Unlike competitors, Mudflap partners directly with truck stops to provide savings, earning a commission only when users save money. The company's goal is to reduce fuel costs for its clients, making their operations more affordable.

Palo Alto, CaliforniaHeadquarters

2016Year Founded

$48.6MTotal Funding

SERIES_BCompany Stage

Automotive & TransportationIndustries

51-200Employees

Benefits

A flexible, remote-first company

Competitive salary and benefit options

Risks

AtoB's advanced features may attract Mudflap's customer base.

AtoB's partnerships could limit Mudflap's ability to negotiate favorable terms.

Increased competition from AtoB's no-fee fleet cards may impact Mudflap's market share.

Differentiation

Mudflap offers a free app with no credit check for fuel savings.

The company partners with truck stops to provide discounts to independent truckers.

Mudflap's business model aligns its profits with customer savings on fuel.

Upsides

Integration of telematics can enhance Mudflap's app with fuel purchasing insights.

Collaborating with telematics providers could offer advanced data analytics and fraud prevention.

Expanding partnerships with gas station chains could increase savings opportunities for users.

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