Mudflap serves the $800B trucking industry, the backbone of the U.S. economy. Our market-leading payment products help truckers save thousands of dollars on fuel (their #1 business expense), while providing our fuel stop partners with access to new, hard-to-reach customers. We’re a fast-growing marketplace business looking for a new customer-obsessed teammate to join us on this exciting journey.

As our first internal Compliance Officer, you’ll work closely with our executive team to define, implement, and manage the policies and procedures that ensure Mudflap operates with integrity, security, and full regulatory alignment. This is a unique opportunity to join a fintech company at a high-growth stage and help shape a function critical to our long-term success.

Work Location:

This role involves a hybrid work approach, balancing in-office collaboration with the ability to work remotely.

To support our team, we offer:

Commuter benefits to ease your travel
Lunches and snacks to keep you fueled
A collaborative, high-growth environment where you’ll work closely

Expectations (In this role, you will):

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

Experience (What we look for):

5+ 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

Perks and Benefits (What we offer):

Competitive salary and equity in a high-growth startup
Multiple health benefit options
Responsible Time Off
401(k) matching
Opportunities and support for major career growth
Annual Company offsite event (Mudfest!)

The salary range for this role is $177,000 - $208,000. This information reflects a base salary range for this position based on current market data, which may be subject to change as new market data becomes available. The candidates skills, experience, and other relevant factors will determine the exact compensation.

Company overview (Who we are):

Mudflap is on a mission to transform the trucking and logistics industry by leveling the playing field for owner operators and small fleets. Backed by top-tier venture investors, including QED, Matrix Partners, Commerce Ventures, NFX, and 500 Startups and included in the Forbes Fintech 50 list, Mudflap offers fleet fuel management solutions. Our core team hails from Disney, Uber, Procore, DoorDash, Google, Meta, Capital One, Affirm and Brex.

Here are the core values that we believe in and look for in new teammates:

Be Customer Obsessed: We deeply understand customer needs and put our customers at the center of everything we do
Make it Count: Act like an owner by focusing on the impact of your work
Find a Way: Be a creative problem solver who pushes past roadblocks to win for our customers and our teammates
Sweat the Details: We keep our standards high and achieve them by paying attention to every detail
Be Curious: Use a growth mindset to question assumptions, take calculated risks and stretch the boundaries of what’s possible