Fraud Operations Lead

About Bitrefill
Bitrefill is the world's leading crypto lifestyle platform. We enable millions of users to spend Bitcoin, Lightning Network payments, and other digital assets on gift cards, mobile phone refills, and everyday goods across 190+ countries.
Our long-term mission: let people use crypto as real digital money daily — without registration, login, or traditional banking.
We are now building the Bitrefill crypto card for paying anywhere, anytime.
The Role
We are looking for a Compliance & AML Officer to own global anti-money laundering frameworks, transaction monitoring, and regulatory risk for both our existing gift card/refill business and the upcoming crypto card.
You will be the go-to person for compliance across multiple jurisdictions — balancing user experience (no registration!) with regulatory requirements.
This is not a pure paperwork role. You will build practical, risk-based controls for a fast-moving crypto startup.
What You Will Do
AML Framework – Develop and implement global AML/CFT policies, procedures, and controls for crypto and fiat transactions.
Transaction Monitoring – Set up and oversee monitoring of on-chain crypto payments, Lightning Network transactions, and card operations.
Sanctions & PEP Screening – Manage screening processes across 190+ countries.
Risk Assessment – Conduct periodic risk assessments for products (gift cards, refills, crypto card) and geographies.
Regulatory Reporting – File suspicious activity reports (SARs/STRs) and other required filings.
License & Registration Support – Support the team with crypto licensing and card program compliance (EMI/payment institution requirements).
Internal Training – Train internal teams (support, product, BD) on AML basics and red flags.
External Communication – Liaise with regulators, banking partners, and card scheme compliance teams.
Requirements
3+ years of experience in Compliance / AML, ideally in:
Crypto / VASP (Virtual Asset Service Provider)
Fintech or payments
Card programs (issuing or acquiring)
Strong understanding of FATF recommendations for crypto (Travel Rule, VASP obligations)
Experience with transaction monitoring tools (on-chain and off-chain)
Knowledge of sanctions regimes (OFAC, UN, EU)
Ability to work with risk-based approach — not checkbox compliance
Fluent English (written and spoken)
Nice to Have
Experience with Lightning Network compliance nuances (small-value payments, channel management)
Previous work with gift card or mobile refill businesses
Knowledge of EMI (Electronic Money Institution) licensing
Familiarity with crypto card programs (Visa / Mastercard crypto cards)
Experience in multiple jurisdictions (EU, LATAM, Africa, Asia)
What Makes This Role Unique
You will help design compliance for a no-registration-required crypto product — unusual and challenging.
You will work closely with product and engineering to build automated controls, not just documents.
You will have real ownership — no large compliance teams, no excessive bureaucracy.
Working at Bitrefill
100% remote – work from anywhere
Asynchronous first – deep work, minimal meetings
Time zone overlap – ~4–6 hours with Stockholm (CET)
Startup culture – fast decisions, high responsibility
Compensation & Benefits
Competitive salary (USD/EUR/USDC)
Equity / token options
Fully remote setup
Opportunity to shape compliance from early stage
How to Apply
Send:
Your resume
A brief note about your experience with crypto AML (including any relevant jurisdictions)

Binance is a prominent global blockchain ecosystem renowned for operating the world's largest cryptocurrency exchange based on trading volume and registered users. Trusted by over 300 million individuals across more than 100 countries, Binance excels in industry-leading security, transparent user fund management, rapid trading engine performance, deep liquidity provision, and a diverse array of digital-asset offerings. The company's services encompass trading, financial solutions, educational resources, research insights, payment options, institutional services, Web3 functionalities, and more. Leveraging digital assets and blockchain technology, Binance is dedicated to constructing an inclusive financial ecosystem that promotes financial liberty and enhances financial access globally.

Responsibilities:

Act as the authoritative expert and lead advisor on legal matters related to sanctions, especially those presenting significant legal, financial, or reputational consequences.

Serve as the primary liaison for concerns related to sanctions legal risks, providing counsel on compliance with US/OFAC sanctions, and insights on other relevant sanctions regulations like those in the EU, after consulting with local legal advisors.

Collaborate closely with the global team handling sanctions compliance and other internal control functions to identify, address, and minimize risks associated with sanctions in all business activities and transactions.

Offer expert legal representation in filings, OFAC communications, and engagements with other regulatory bodies related to sanctions. This includes managing voluntary disclosures, license requests, guidance queries, and responses to legal directives.

Provide expert legal advice on contract issues and specific concerns relating to sanction-aligned transactions, while preparing essential documentation and conducting requisite analyses when necessary.

Devise and execute leading-edge strategies and initiatives regarding sanctions topics to position Binance as a frontrunner in the industry.

Supervise involvement and maintain relationships with external legal advisors concerning sanctions-linked matters.

Requirements:

Minimum of 10 years of relevant experience as an attorney and compliance professional focusing on sanctions affairs.

Profound technical knowledge of sanctions laws and regulations combined with experience in interacting with OFAC and other authoritative bodies in key jurisdictions.

Proficiency in handling sanctions issues arising in complex transactions and financial products.

Excellent communication skills essential for addressing intricate issues with internal stakeholders across all organizational levels and providing concise, sound recommendations to senior management.

Demonstrated leadership qualities, adaptability to change, and proficiency in collaborating effectively with legal professionals and businesses worldwide.

Understanding of the implications of cross-jurisdictional issues, notably in fields like data privacy and transmission.

Familiarity with anti-money laundering and financial crime frameworks relevant to global financial institutions is advantageous.

Why Binance:

Contribute to shaping the future with a leading blockchain ecosystem globally.

Work alongside top-tier talent in a globally-oriented organization with a flat hierarchy.

Engage with unique, dynamic projects autonomously in an innovative setting.

Thrive in a results-focused environment with opportunities for career advancement and continuous learning.

Competitive salary and comprehensive company benefits.

Flexible work arrangements, including work-from-home options contingent upon the business team's nature of work.

Binance upholds its commitment to equal employment opportunities and recognizes diversity as pivotal to its success. It abides by a Candidate Privacy Notice regarding job applications.

The company may employ artificial intelligence (AI) tools in portions of the hiring process for tasks like application screening, resume analysis, and response evaluation. While these tools support the recruitment team, they do not supplant human judgment. Final hiring decisions rest with humans. For further clarification on data processing, applicants are encouraged to reach out to Binance.

Overview

Binance, a global blockchain ecosystem renowned for its cryptocurrency exchange, is looking for a proficient Senior Compliance & Regulatory Specialist to assist the Head of Compliance in overseeing regulatory affairs within the Brazilian financial regulatory landscape. The ideal candidate should have legal qualifications, a solid grasp of financial services regulations, and prior experience in Payment Institutions and Broker-Dealers (DTVMs).

Responsibilities

Assist the Head of Compliance in dealings with the Banco Central do Brasil regarding regulatory assessments and requests.

Serve as a key contact for regulatory matters, ensuring consistent engagement with regulators.

Coordinate responses to regulatory inquiries, audits, and information requests.

Interpret and implement regulatory requirements applicable to Payment Institutions, DTVMs, and similar entities.

Stay informed about regulatory updates and evaluate their impact on business operations.

Aid in licensing processes, submissions, and filings required by regulations.

Collaborate with internal teams to integrate regulatory requirements into operational protocols.

Furnish regulatory guidance and insights to senior management and internal stakeholders.

Ensure compliance with AML/CFT, KYC, and internal control frameworks.

Requirements

Possession of a law degree and license to practice law in Brazil.

Extensive experience in regulatory compliance within financial institutions.

Previous engagement with the Banco Central do Brasil, ideally with exposure to supervisory processes like DECON.

Proficient knowledge of the regulatory framework for Payment Institutions and DTVMs.

Familiarity with AML/CFT obligations and internal control systems.

Track record of supporting regulatory submissions, audits, or supervisory reviews.

Strong analytical aptitude and meticulous attention to detail.

Outstanding written and verbal communication abilities.

Fluency in English is mandatory.

Preferred Qualifications

Prior involvement in fintech, digital assets, or regulated innovative products.

Experience in regulatory inspections or remediation procedures.

Advanced degree in Financial Regulation, Compliance, or related disciplines.

Binance offers an opportunity to engage with cutting-edge blockchain technology, collaborate with a globally diverse team, work on dynamic projects in an empowering environment, grow career-wise, competitive compensation packages, and a flexible work-from-home setup tailored to team requirements. Binance fosters diversity and advocates for equal employment opportunities in its workplace.

Candidates acknowledge compliance with the Candidate Privacy Notice when applying, and the potential usage of AI tools to facilitate the hiring process, noting that all final decisions are made by humans. For more information on data processing, candidates can contact the recruitment team directly.

Serve as the key legal lead for managing Binance’s regulatory matters on a global scale, ensuring adherence to regulatory requirements across various jurisdictions and mitigating legal risks on a global level. Craft and implement Binance’s strategy for global regulatory compliance in alignment with the constantly changing international laws, mandates, and regulatory environments pertinent to the cryptocurrency and financial services domains.

Responsibilities:

Lead and oversee Binance’s international legal team specializing in regulatory matters, offering strategic legal guidance to address intricate regulatory issues globally.

Formulate, execute, and consistently enhance Binance’s global regulatory strategy to ensure compliance with diverse regulatory frameworks and proactively manage legal risks.

Act as the primary legal contact with regulatory bodies globally, establishing and nurturing robust relationships to facilitate productive dialogues and progress Binance’s regulatory concerns.

Supervise the preparation, submission, and management of regulatory paperwork, licenses, consents, and endorsements essential for Binance’s operations in multiple regions.

Provide expert legal counsel on a wide array of regulatory concerns affecting Binance’s offerings, services, and business functions worldwide.

Track and interpret changes in regulations in key markets, foresee potential legal repercussions, and guide senior management on essential compliance measures and strategic legal actions.

Organize and lead legal responses to regulatory probes, inquiries, audits, and enforcement activities across the globe, ensuring swift and efficient resolutions.

Collaborate closely with cross-functional teams, including compliance, risk, business development, and product teams to integrate regulatory legal aspects into global business practices and product rollouts.

Drive the creation and delivery of regulatory legal training and awareness programs for internal stakeholders worldwide to enrich the culture of regulatory compliance throughout the organization.

Manage relationships with external legal advisors and consultants worldwide to assist in regulatory matters and intricate legal dilemmas.

Supervise the operational functions of the global regulatory legal team, which includes budgeting, resource allocation, and performance monitoring.

Requirements:

Licensed to practice law in a major jurisdiction with extensive experience in international regulatory law.

Minimum of 15 years in regulatory legal roles, ideally in the technology, financial services, or cryptocurrency sectors.

Demonstrated proficiency in handling complex regulatory compliance matters and engaging with regulatory bodies across multiple jurisdictions worldwide.

Sound knowledge of global financial products, encompassing spot and derivatives trading, payment systems, and digital assets.

Proven ability to craft and implement global regulatory strategies in a dynamic and highly regulated environment.

Track record of leadership and management of high-performing legal teams in numerous regions.

Excellent at managing stakeholders, adept at cultivating trust with regulators, business executives, and external legal advisors.

Deep comprehension of the cryptocurrency industry and its regulatory landscape globally.

Outstanding communication and negotiation skills with fluency in English; additional language abilities are advantageous.

Strong business acumen combined with a practical and solution-oriented approach to regulatory challenges.

Capability to excel in a fast-paced, dynamic environment, handling multiple priorities and deadlines effectively.

Embark on molding the future with the world’s premier blockchain ecosystem at Binance. Engage with top-tier professionals in a user-focused international organization with a horizontal organizational structure. Dive into exceptional, rapid projects with autonomy within an inventive setting. Flourish in a results-oriented workplace offering growth opportunities and continuous learning experiences. Enjoy competitive remuneration along with comprehensive company benefits. Benefit from a work-from-home option, subject to variations based on business team requirements.

Binance upholds a commitment to diversity, fostering inclusivity to enhance our success. By submitting an application, you acknowledge that you have reviewed and agreed to our Candidate Privacy Notice. AI tools may be leveraged to streamline parts of the recruitment process. While these tools are supportive, all final hiring decisions are made by humans. Feel free to reach out to clarify any questions about your data processing with us.

Binance, a prominent global blockchain ecosystem and the home to the largest cryptocurrency exchange worldwide, serves over 300 million users across 100+ countries. Our reputation is built on industry-defining security, transparent user funds, high-speed trading engines, deep liquidity, and a diverse range of digital asset products. We cater to various sectors such as trading, finance, education, research, payments, institutional services, Web3 services, and more. Utilizing digital assets and blockchain technology, we aim to develop an inclusive financial environment that enhances financial accessibility globally.

Key Responsibilities:

Offer expert legal advice on U.S. regulatory expectations, focusing on crypto and financial regulations, AML, sanctions, securities laws, commodities laws, and other relevant regulatory frameworks.

Collaborate with Legal Department members and management on regulatory litigation matters and relationships with U.S. government agencies and regulatory bodies.

Provide guidance on the company’s approach to regulatory investigations, enforcement actions, and compliance reviews, especially in relation to AML and sanctions compliance programs.

Engage with U.S. regulatory agencies and their representatives to ensure effective communication and cooperation.

Advise internal stakeholders on maintaining legal compliance through cross-functional collaboration.

Partner closely with compliance, risk, and business teams to address legal and regulatory complexities within the U.S. jurisdiction.

Offer insight into evolving U.S. regulatory changes affecting the crypto and financial sectors, advising on compliance strategies and risk assessment.

Assist in regulatory filings, investigations, remediation efforts, and enforcement actions as required.

Qualifications:

Demonstrated expertise in managing legal issues, including handling litigation and contentious regulatory affairs, ideally involving U.S. financial regulators like FinCEN, SEC, CFTC, OFAC, and state regulators.

Profound knowledge of U.S. AML and sanctions compliance programs, with practical experience in supporting or advising on these frameworks.

In-depth understanding of U.S. financial products, particularly spot trading, margin trading, futures, and options, within the crypto industry.

Strong analytical skills with a keen eye for detail and the ability to address complex legal issues proactively.

Demonstrated ability to work independently and collaboratively across diverse teams.

Exceptional written and verbal communication skills for effectively conveying legal concepts to a varied audience.

Prior in-house legal experience and exposure to internal remediation efforts are advantageous.

Why Binance:

Contribute to shaping the future with the leading blockchain ecosystem globally.

Work alongside top-tier talent in a user-centric, globally oriented organization with a flat hierarchy.

Engage in stimulating, fast-paced projects with autonomy in a cutting-edge setting.

Thrive in a results-oriented environment with ample opportunities for career progression and ongoing learning.

Receive competitive compensation and company benefits.

Enjoy a work-from-home option (subject to the team's work requirements) in a flexible setting.

Binance upholds equal opportunity in employment and strongly believes that diversity is key to its success. By applying for a job, you confirm your consent to our Candidate Privacy Notice. Artificial intelligence tools may be used during the hiring process to assist in application review, resume analysis, and response evaluation, although final hiring decisions remain human-driven. For more information on data processing, please feel free to contact us.