Compliance Lead

About Addi We are a leading financial platform, building the future of payments, shopping, and banking—a world where consumers and merchants can transact effortlessly, grow together and where we create abundance and generate pride in them. Today, we serve over 2 million customers and partner with more than 20,000 merchants, making Addi Colombia’s fastest-growing marketplace. We provide banking solutions (deposits, payments, unsecured credit) and commerce services (e-commerce, marketing) using state-of-the-art technology, bridging the financial gap for millions and redefining how people experience financial freedom. As the country’s leading Buy Now, Pay Later provider, we have secured regulatory approval to operate as a bank, unlocking even greater opportunities for our customers. In the past year, we have also achieved profitability, reinforcing the strength of our business model and our ability to scale sustainably. Our mission has earned the trust of world-class investors, including Andreessen Horowitz, Architect Capital, GIC, Goldman Sachs, Greycroft, Monashees, Notable Capital, Quona Capital, Union Square Ventures, Victory Park Capital, and more, who back our vision for the future. With their support, we are not just growing—we are transforming Latin America’s financial ecosystem and shaping the next generation to shop, pay, and bank in Colombia. But what truly sets us apart is how we build. We are a conscious company, driven by deep experience in scaling technology, services and products, and we live by our values every day. About the Role This is where you come in. Below, you’ll find what this role is all about—the impact you’ll drive, the challenges you’ll tackle, and what it takes to thrive at Addi. If you’re ready to be part of something big, keep reading. What’s the mission you’ll drive Safeguard the company's license to operate and build customer trust by embedding scalable, tech-forward compliance frameworks (SARLAFT/SARC, KYC, Consumer Protection) into our products, enabling sustainable growth while ensuring 100% adherence to all regulatory requirements. What you will do - Complete a full regulatory gap analysis and implement a remediation plan for all "High" priority items within 90 days, presenting a prioritized 6-month compliance roadmap to the C-suite and Board. - Implement a 'Compliance by Design' framework into the product development lifecycle within 6 months, reducing pre-launch compliance review time by 30% and ensuring zero regulatory breaches on new product rollouts. - Optimize and automate core compliance processes (e.g., KYC onboarding, transaction monitoring) within 12 months, reducing manual review caseload by 40% while improving the accuracy of SARLAFT/UIAF reporting. - Assume ownership of all regulatory reporting (Superintendencia Financiera, UIAF) and external audits, achieving 100% on-time, accurate submissions and a "No Significant Findings" result in the next external audit cycle. - Develop and deploy an engaging, fintech-specific compliance training program (covering SARLAFT, Data Privacy, Consumer Protection) within 6 months, achieving 100% company-wide completion and certification. What we’re looking for - Proven progressive experience in compliance, risk, or legal roles within a regulated financial institution - Possesses 6+ years of experience in compliance, risk, or legal roles. - Has at least 3+ years in a senior compliance function within a regulated Colombian entity (Bank, Compañía de Financiamiento, or regulated fintech). - Direct, hands‑on experience interfacing with financial regulators (e.g., Superintendencia Financiera de Colombia, UIAF). A proven track record as a registered Compliance Officer or Alternate is a major plus. - Deep subject matter expertise in SARLAFT/AML/CFT, SARC, Consumer Protection, and Data Privacy (Habeas Data) regulations. - Proven experience building or scaling a compliance program, successfully moving from manual processes to automated, tech‑enabled controls. - Possesses solid expertise in the Colombian regulatory framework - Meets all requirements to be formally registered (posesionarse) as the Alternate Compliance Officer (Oficial de Cumplimiento Suplente) before the SFC. - Has deep subject matter expertise in SARLAFT/AML/CFT, SARC, Consumer Protection, and Data Privacy (Habeas Data). - Masters the specific regulations applicable to a Compañía de Financiamiento (SARLAFT, SARC, Data Privacy, Consumer Protection). - Acts as a confident and credible primary contact for regulators, including the Superintendencia Financiera and UIAF. - Translates complex regulatory circulars into clear business requirements and actionable tickets for engineering and product teams. - Understands the intent of regulations, allowing for application to novel, tech-driven financial products. - Track record of building compliance functions from the ground up - Has proven, hands‑on experience establishing foundational policies (SARLAFT, SARC, Data Privacy) and moving from manual processes to automated controls. - Is willing to be both the strategist and the doer "scrappy", building systems, controls, and teams from scratch. - (Nice to have) Has experience supporting a new financial institution licensing process or was part of a "foundational" compliance team in its early days. - Demonstrates ability to influence and manage key stakeholders - Builds trusted, influential relationships with senior business leaders (Product, Engineering, Growth) to embed compliance as a strategic enabler. - Effectively challenges and is challenged by business partners, gaining buy‑in for necessary controls without being a blocker. - Has successfully managed complex regulatory inquiries, responses, and audits under pressure. - Represents the company's compliance posture authoritatively and professionally during audits and regulatory inquiries. - Demonstrates the ability to be a Pragmatic Problem‑Solver - Articulates innovative and compliant solutions ("Yes, if...") rather than just identifying risks ("No"). - Designs practical controls and testing frameworks for new products that satisfy legal requirements and meet business speed-to-market goals. - Translates complex regulatory risks into actionable, business-friendly recommendations. - Effectively navigates ambiguity in regulatory guidance to find a compliant path forward for product development. Why join us? - Work on a problem that truly matters – We are redefining how people shop, pay, and bank in Colombia, breaking down financial barriers and empowering millions. Your work will directly impact customers' lives by creating more accessible, seamless, and fair financial services. - Be part of something big from the ground up – This is your chance to help shape a company, influencing everything from our technology and strategy to our culture and values. You won’t just be an employee—you’ll be an owner - Unparalleled growth opportunity – The market we’re tackling is massive, and we’re growing faster than almost any fintech lender at our stage. If you’re looking for a high‑impact role in a company that’s scaling fast, this is it. - Join a world‑class team – Work alongside top-tier talent from around the world, in an environment where excellence, ownership, and collaboration are at the core of everything we do. We care deeply about what we build and how we build it—and we want you to be part of it. - Competitive compensation & meaningful ownership – We believe in rewarding our talent. You’ll receive a generous salary, equity in the company, and benefits that go beyond the basics to support your growth. How the hiring process looks like We believe in a fast, transparent, and engaging hiring experience that allows both you and us to determine if there's a great fit. Here’s what our process looks like: - Step 1: People Interview (30 min) A conversation with a recruiter to get to know you, your experience, and what you're looking for. We’ll also share more about Addi, our culture, and the role. - Step 2: Technical assessment (30 min) A session to assess your skills using SQL, one of our team members will ask you to solve different exercises using your SQL experience - Step 3: Deep Dive Interview (30 min) You'll meet future colleagues and cross-functional team members to get a feel for how we work together. We’re looking for strong contributors and cultural fits, so bring your questions, too - Step 4: Case Study (3-5 Days) You may receive a real-world challenge or case study to complete. This is a chance to showcase your expertise and how you approach key problems relevant to the role. - Step 5: Co-Founder Interview If there’s a strong match, you’ll have a final conversation with our Founder to align on expectations, cultural fit and ensure mutual excitement. From there, we’ll move quickly to an offer and discuss next steps. We value efficiency and respect for your time, so we aim to complete the process as quickly as possible. Our goal is to make this experience insightful and exciting for you, just as much as it is for us. Regardless of the outcome, we are committed always providing feedback ensuring that you walk away with valuable insights from your experience with us. #J-18808-Ljbffr