Lead Analyst, Product Compliance

Circle (NYSE: CRCL) is one of the world's leading internet financial platform companies, building the foundation of a more open, global economy through digital assets, payment applications, and programmable blockchain infrastructure. Circle's platform includes the world's largest regulated stablecoin network anchored by USDC, Circle Payments Network for global money movement, and Arc, an enterprise-grade blockchain designed to become the Economic OS for the internet. Enterprises, financial institutions, and developers use Circle to power trusted, internet-scale financial innovation. Learn more at circle.com .
What you'll be part of:
Circle is committed to visibility and stability in everything we do. As we grow as an organization, we're expanding into some of the world's strongest jurisdictions. Speed and efficiency are motivators for our success and our employees live by our company values : High Integrity, Future Forward, Multistakeholder, Mindful, and Driven by Excellence. We have built a flexible work environment where new ideas are encouraged and everyone is a stakeholder.
What you'll be responsible for:
As a Lead Product Compliance Analyst supporting Circle's Digital Assets and Payments product pillars, you will play a critical role in ensuring that products are designed, launched, and operated in alignment with regulatory expectations and internal compliance frameworks. You will partner closely with product, engineering, and operations teams to embed compliance throughout the product lifecycle by leading risk assessments, defining and validating control requirements, and driving cross-functional readiness for money movement and settlement capabilities as well as USDC access and treasury initiatives. In this role, you will identify emerging compliance and operational risks, develop forward-looking control approaches, and help shape the compliance technologies needed to support Circle's evolving liquidity and payments infrastructure. You will operate within the Product Compliance team and report to the Director of Product Compliance.
In addition, you will play a dynamic role in supporting other product pillars including Developer, as business needs evolve. This may involve applying compliance expertise across multiple product areas, ensuring consistent risk management, and enabling compliant growth across Circle's ecosystem.
What you'll work on:

• Lead end-to-end risk assessments for Digital Assets and Payments infrastructure.
  Oversee comprehensive assessments for the Digital Assets and Payments Pillars. Evaluate areas such as compliance tooling, transaction traceability, scalability, governance, and regulatory alignment.
• Drive cross-functional collaboration across Digital Assets and Payments programs.
  Report directly to the Director of Product Compliance and work closely with Policy, Security, Product, Enterprise Risk, Treasury, Engineering, and other xfn to ensure new liquidity and payments initiatives are designed and operated within Circle's compliance and risk management standards. Coordinate inputs and readiness across teams for both new market entries and enhancements to existing payment rails.
• Embed compliance into product development.
  Partner with the Digital Assets and Payments Product teams to shape the design of new products and services - by identifying regulatory and operational compliance requirements early in the lifecycle and developing proactive solutions to meet them.
• Develop data-driven and AI-enabled compliance processes.
  Enhance the Digital Assets and Payments risk assessment process with AI-driven tools to help increase velocity and add further efficiencies to the product review process.
• Monitor market and regulatory developments.
  Track emerging innovations in decentralized finance, programmable money, and global payments infrastructure. Analyze evolving regulatory perspectives to evaluate their impact on Circle's liquidity and settlement activities, recommending strategies for responsible engagement and sustainable growth.
• Represent Liquidity and Payments in compliance and ecosystem forums.
  Participate in internal Product and Compliance meetings, industry conferences, and partner discussions to share insights, strengthen Circle's influence in the payment-compliance ecosystem, and identify opportunities for innovation in compliant liquidity management.
• Support strategic compliance decision-making.
  Contribute to the development of Circle's compliance strategy for Digital Assets and Payments by helping define risk-based criteria for product decisions, ensuring emerging financial and regulatory risks are integrated into business objectives.
• Contribute to enterprise-level compliance frameworks.
  Map liquidity- and payments-specific risks to Circle's enterprise risk taxonomy, ensuring consistent integration of compliance controls and monitoring practices across all product pillars.

What you'll bring to Circle:

• Bachelor's degree in Finance, Business, and/or risk management
• Comprehensive/expert knowledge and a deep passion of virtual assets, blockchain/distributed ledger technology, decentralized finance, decentralized identity, and other emerging web3 technologies
• Comprehensive knowledge of US/global financial regulatory compliance requirements, especially as they relate to virtual assets/blockchain
• 7+ years of experience in compliance, risk management, or related functions within a fintech or crypto company, including at least 1 year of product compliance experience.
• Experience/familiarity with Slack, Apple MacOS and GSuite.

Circle is on a mission to create an inclusive financial future, with transparency at our core. We consider a wide variety of elements when crafting our compensation ranges and total compensation packages.
Starting pay is determined by various factors, including but not limited to: relevant experience, skill set, qualifications, and other business and organizational needs. Please note that compensation ranges may differ for candidates in other locations.
Base Pay Range: $130,000 - $170,000
We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status, or any other protected status required by the laws in the locations where we hire. Additionally, Circle participates in the E-Verify Program in certain locations, as required by law.
Should you require accommodations or assistance in our interview process because of a disability, please reach out to [email protected] for support. We respect your privacy and will connect with you separately from our interview process to accommodate your needs.
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