Regulatory Compliance Analyst

At Ripple, we’re building a world where value moves like information does today. It’s big, it’s bold, and we’re already doing it. Through our crypto solutions for financial institutions, businesses, governments and developers, we are improving the global financial system and creating greater economic fairness and opportunity for more people, in more places around the world. And we get to do the best work of our career and grow our skills surrounded by colleagues who have our backs. If you’re ready to see your impact and unlock incredible career growth opportunities, join us, and build real world value. Ripple is growing its Regulatory Compliance team and looking for a Licensing Compliance Analyst to join the US licensing program. You will report directly to the Regulatory Compliance Manager. Your responsibilities include maintaining compliance for licensed entities under various state and federal rules. These cover money transmitter licenses, the NYDFS BitLicense, and a Limited Purpose Trust Charter. You will gain deep knowledge of a sophisticated regulatory portfolio in payments and digital assets. This opportunity allows you to grow with a team at the forefront of crypto regulation. What you’ll do: • Prepare and submit state license renewal applications, annual reports, and other maintenance filings; manage surety bond renewals and adjustments; and coordinate change notifications — working across Finance, Legal, and other internal teams to meet deadlines. • Own NMLS MSB Call Report preparation end-to-end: capturing data, performing quality assurance checks, and managing submissions and archival. • Assist in preparing for regulatory examinations—managing information requests, coordinating cross-functionally to gather and prioritize responsive documentation, and drafting correspondence in close collaboration with senior team members. • Support internal governance activities, including the preparation of materials for board and committee meetings. • Establish and maintain the architecture of the team’s regulatory planning tools and calendar (e.g., Asana, LogicGate), setting the framework for regional SMEs to complete throughout the year. • Conduct research on regulatory developments, contribute to process documentation and internal playbooks, and assist with ad hoc compliance projects as the licensing program grows. • Leverage AI tools and workflow automation to improve the efficiency and accuracy of compliance operations. What you’ll bring: • 1–3+ years of background in compliance, legal, regulatory affairs, or financial services; experience in payments or digital assets is advantageous. • Familiarity with US money transmission licensing frameworks (state MTLs, NYDFS BitLicense) or trust company regulation is preferred. • Strong organizational skills and attention to detail, with the ability to manage multiple deadlines accurately. • Proficiency with efficiency tools (Microsoft Office, Google Workspace); experience with GRC platforms such as LogicGate is a plus. • Comfort with data and an eagerness to handle transaction datasets; experience with Excel, Tableau, or Python is advantageous. • Willingness to adopt AI tools in compliance workflows and genuine curiosity about how technology can advance regulatory operations. • Desire to learn new subject matter and develop practical solutions across a broad regulatory portfolio in a complex, fast-paced licensing environment. • Clear written and verbal communication skills, with an ability to draft concise regulatory correspondence. • Previous work experience at a financial services regulatory agency (e.g., NYDFS, state banking departments) is advantageous. • Bachelor’s degree in Business, Finance, Law, or a related field; equivalent professional experience also considered. For positions that will be based in NY, the annual salary range for this position is below. Actual salaries may vary based on numerous factors including, among other things, an individual applicant’s experience and qualifications for the position. This range does not include equity or additional compensation, such as bonuses or commissions. NY Annual Base Salary Range $72,000—$90,000 USD WHO WE ARE: Do Your Best Work • The opportunity to build in a fast-paced start-up environment with experienced industry leaders • A learning environment where you can dive deep into the latest technologies and make an impact. A professional development budget to support other modes of learning. • Thrive in an environment where no matter what race, ethnicity, gender, origin, or culture they identify with, every employee is a respected, valued, and empowered part of the team. • In-office collaboration for moments that matter is important to our culture, and we give managers and teams the flexibility to decide which 10+ days a month they come in. • Bi-weekly all-company meeting - business updates and ask me anything style discussion with our Leadership Team • We come together for moments that matter which include team offsites, team bonding activities, happy hours and more! Take Control of Your Finances • Competitive salary, bonuses, and equity • Competitive benefits that cover physical and mental healthcare, retirement, family forming, and family support • Employee giving match • Mobile phone stipend Take Care of Yourself • R&R days so you can rest and recharge • Generous wellness reimbursement and weekly onsite & virtual programming • Generous vacation policy - work with your manager to take time off when you need it • Industry-leading parental leave policies. Family planning benefits. • Catered lunches, fully-stocked kitchens with premium snacks/beverages, and plenty of fun events Benefits listed above are for full-time employees. Ripple is an Equal Opportunity Employer. We’re committed to building a diverse and inclusive team. We do not discriminate against qualified employees or applicants because of race, color, religion, gender identity, sex, sexual identity, pregnancy, national origin, ancestry, citizenship, age, marital status, physical disability, mental disability, medical condition, military status, or any other characteristic protected by local law or ordinance. Please find our UK/EU Applicant Privacy Notice and our California Applicant Privacy Notice for reference.