Monica Moler

About Monica Moler

I\'m a fintech compliance leader with 12+ years of experience building and scaling risk programs that bridge innovation and regulatory expectations. Currently serving as Director, Program, Oversight & Governance at one of thee top-tier community BaaS Sponsor banks, I lead the development and governance of our CMS across partnerships and the bank, ensuring readiness for regulatory oversight. My expertise spans third-and fourth-party oversight, regulatory exam management, risk assessments, issue and testing programs, and board reporting. I\'ve led high-performing teams, revamped partner onboarding and launch frameworks, and supported product innovation in fast-moving environments. I thrive where strategy meets execution, aligning compliance rigor with growth in dynamic, regulated ecosystems. I bring a proven ability to build trust across business lines, regulators, and partners and to lead programs that stand up to scrutiny while enabling progress.

Experience

1. Vice President, Fintech Compliance Program Oversight & Governance

   Coastal

   Feb 2024 — Present · SD, US

   Lead enterprise-wide compliance program oversight for one of the industry\'s most active BaaS sponsor banks. Focused on building scalable, exam-ready frameworks that align with FRB expectations while supporting the effective oversight of fintech partners- Drive the development and maturity of core compliance programs, including risk assessment, regulatory change management, partner onboarding & ongoing monitoring, training, vendor compliance oversight, and issue management-Design and implement programmatic tools that improve audit and exam readiness, clarify partner obligations, and ensure internal alignment across business units and risk functions- Partner closely with fintech teams to embed regulatory expectations into partner onboarding, product reviews, and ongoing monitoring activities- Serve as a key compliance liaison across all three lines of defense, ensuring that program standards are consistently applied and well-documenteed for internal and external stakeholders- Previously served as dedicated fintech compliance advisor, supporting multiple partners across various product offerings with compliance guidance on regulatory applicability, marketing, product design, and consumer protection risks.

Education

• Chadron State College

  Bachelor's degree

  2008 — 2012