Description
At Xe, we live currencies. Founded in 1993, Xe is a global leader in currency exchange and international money transfers. What began as a simple currency converter has grown into a platform trusted by over 300 million people each year. We provide a comprehensive range of currency services and products, including real-time exchange rates, a Currency Converter, Market Analysis and a Currency Data API, supporting 130+ currencies across 190+ countries with quick, easy, secure Money Transfers for individuals and businesses. We leverage technology to deliver these services through our website, mobile app, and by phone. Backed by Euronet, we process more than $115 billion in global payments annually. Xe is profitable, product-led, and focused on building reliable, user-first tools that make moving money across borders easier for everyone.
Our Principles
At Xe, we value people who take initiative, think big, and follow through. We’re curious by nature and not afraid to ask what if or try something new. Everyone’s voice matters here. We expect people to speak up, bring ideas, and take ownership of their work. We don’t micromanage. We trust each other to make good calls, take responsibility, and move fast when it counts. And we care about community. Not in a vague corporate way, but in the sense that we have each other’s backs, stay open to feedback, and build a culture of trust and real collaboration.
- Ambition. We dream big, try things out, and always ask “why not?” and “what if?” We’re ambitious in our thinking and our delivery
- Responsibility. We get involved, bring our perspective, and are always open to new ideas. We take personal responsibility
- Community. We value a sense of belonging, trusting each other, and encouraging authenticity. We contribute to our community
The Role. Ria is expanding into stablecoin rails as part of its next-generation cross-border payment infrastructure, including on-ramp and off-ramp services within the network. As Director of Compliance, Crypto,you will own this vertical end-to-end and be equally fluent in the crypto and traditional fiat financial worlds, moving fast, taking ownership, and building the compliance foundation as the business builds the product.This is a global role requiring strong knowledge of the US regulatory landscape alongside international frameworks. This is a hands-on, builder role, not a policy-writing desk job. You'll be the person the business turns to when it's evaluating a new stablecoin product, a new partner, or a new rail — and you'll be the one who decides what "doing it right" looks like, then makes it happen.
Your Mission
- You will drive the strategy and roadmap for Ria's stablecoin vertical, including stablecoin settlement and on ramp/off-ramp services within the network.
- Advise Product, Tech, and Business teams on new stablecoin products and features from concept through launch, translating regulation into practical, product-ready requirements.
- Advise on broader crypto asset trading and tokenized assets as the business explores these areas, providing forward-looking regulatory and risk perspective ahead of any future launch.
- Identify and assess the financial crime risks specific to crypto and stablecoins, including blockchain-based typologies, wallet risk, mixing/obfuscation, sanctioned addresses, and mule activity, and build the controls to manage them.
- Lead the selection, implementation, and ongoing calibration of crypto compliance tooling in partnership with Tech and Product.
- Design and maintain the crypto AML/CTF and sanctions framework, including risk assessments, policies, procedures, and controls, aligned to relevant US and global standards.
- Oversee transaction monitoring, wallet screening, and sanctions screening specific to crypto and stablecoin flows, ensuring tools are properly tuned and effective.
- Act as the internal subject matter expert on crypto financial crime, advising investigations, first-line teams, and senior management on emerging typologies and escalations.
- Serve as the crypto compliance point of contact for US and international regulators, auditors, and senior management, and represent the vertical in examinations and licensing discussions
- Partner with vendors and blockchain analytics providers to keep Ria ahead of emerging typologies and regulatory change.
- Report on crypto compliance risk, KRIs, and program status to senior leadership.
What You'll Need
- 7+ years in AML/CTF, financial crime, or regulatory compliance, with meaningful hands-on experience in crypto or digital assets.
- Deep working knowledge of both crypto-native risk (blockchain forensics, wallet/address risk, stablecoins) and traditional fiat AML/CTF and payments compliance.
- Strong knowledge of the US regulatory landscape for crypto and stablecoins, including FinCEN/BSA requirements, OFAC sanctions, state money transmitter licensing, and emerging federal stablecoin legislation.
- Direct experience implementing or overseeing blockchain analytics tooling and crypto custody/settlement infrastructure.
- Working understanding the international crypto regulatory landscape (FATF, Travel Rule, MiCA, VARA, or equivalent regimes) and how it applies practically to product and operations.
- High agency, urgency, and a bias toward action.
- Strong stakeholder management skills, able to work directly with Product, Tech, Legal, and senior leadership
- Excellent written and verbal communication skills.
Perks & Benefits
- Inclusive, mission-driven workplace culture.
- Competitive salary and incentive.
- Paid vacation + personal days + sick time + holidays.
- Health, dental, vision and life insurance.
- 401(k) retirement plan with company match.
- Employee Stock Purchase Plan.
- Global Language Program offering language learning opportunities.
- Wellness initiatives supporting physical, mental, and financial well-being.
- Learning, development, and tuition assistance programs.
- A chance to grow your career in a mission-driven global company.
Why Join Us? You'll be part of a fast-moving team where your contributions directly impact growth. We invest in our people with tools, mentorship, and opportunities to level up fast-whether that's moving into closing roles or leadership paths. You'll also play a key role in shaping how we go to market in the competitive payments space, using real insights and industry benchmarks to stay ahead of the curve.
Xe offers a competitive salary and benefits package. Actual compensation is based upon factors such as the candidate’s skills, qualifications, and experience. In addition, Xe offers a wide range of best-in-class, comprehensive and inclusive employee benefits for this role, including healthcare, dental and vision benefits, retirement plan, paid vacation/sick leave and more.
Xe values diversity and is proud to be an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We provide equal opportunities to all employees and applicants, regardless of race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. At Xe, we are committed to making our recruitment practices barrier-free and as accessible as possible for everyone. This includes adjustments or changes for disabled people, neurodiverse people or people with long-term health conditions. If you would like us to do anything differently during the application, interview or assessment process, including providing information in an alternative format, please contact us at recruitment@xe.com. The position responsibilities outlined above are intended to define the general scope and requirements for performing this job. It is not to be taken as a complete statement of responsibilities or requirements. This job description does not restrict the Company’s right to assign or reassign duties and responsibilities to this job as needed
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