Ayodeji
Ogunniyi

Compliance Product  ·  Risk Strategy  ·  Payments

Toronto, Canada

Seven years of building compliance programs across technical and non-technical infrastructure in e-commerce, cybersecurity and payments industries, serving digitally sophisticated users across the US, the UK, the EU, and Africa. I lead cross-functional teams, author foundational compliance policy, and design risk-based controls that satisfy regulatory requirements without creating friction for users or the business.

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About

Operations depth.
Product precision.

Compliance operations and product delivery experiences form the foundation of my expertise. I have built both from the ground up across startups and enterprise-level companies: leading large, high-volume operations teams across multiple jurisdictions, then taking ownership of the product roadmap that automates and scales what operations does manually.

My approach is risk-based. I do not believe compliance should be experienced as friction. The frameworks I design are calibrated to actual risk signals, not applied uniformly across a user base, so that regulatory requirements are fulfilled without compromising business goals and objectives. This is the balance I bring to both worlds.

I am AI-native. I build production compliance tools, author the policy and procedure frameworks that give those tools the required regulatory posture, and lead the compliance and engineering teams that maintain them.

7+Years in compliance product and risk
9Jurisdictions across the US, UK, Europe and Africa
2Compliance audit successes (2024 and 2025)
$300MRevenue milestone enabled
80%Payment delay reduction
Product Delivery★ AML Program★ Risk Assessment★ Consulting★ User and Business Due Diligence★ Business Strategy★ Communication★ Stakeholder Management★ Leadership★ Product Delivery★ AML Program★ Risk Assessment★ Consulting★ User and Business Due Diligence★ Business Strategy★ Communication★ Stakeholder Management★ Leadership★

What I do

01
Compliance Product Strategy
Roadmap ownership, platform PM, and embedding Compliance and Risk requirements into product and market launches before risk materialises.
02
Team Leadership
Led large compliance operations teams of up to 17 FTE and a lean product and engineering compliance team of 5, across startup and enterprise environments respectively.
03
Policy and Procedure Authorship
Co-authored foundational compliance policy. Designed Product Compliance Advisories that define launch blockers, risk controls, and phased rollout strategies.
04
Risk-Based Framework Design
KYC routing models, sanctions architecture, and AML decisioning frameworks calibrated to observed risk patterns, not blanket rules applied uniformly.
05
AI-Native Tool Building
Production compliance tools built with Claude Code and modern infrastructure. Merchant screening, risk assessment, and case management deployed to live operations.
06
Cross-Functional Advisory
Primary liaison between Compliance, Engineering, Legal, and Operations. Risk advisory to senior leadership on compliance program strategy.

Experience

Senior Manager, Risk and Compliance Product Apr 2025 to Jun 2026
Bolt Financial · San Francisco, US
  • Provided advisory and led the compliance product team of four engineers and one product manager to deliver the first compliance product roadmap.
  • Architected Bolt's compliance technology infrastructure from inception, including building the company's first internal Compliance Case Management System, satisfying all bank and crypto partner requirements for the US financial services launch and enabling a successful 2025 Compliance Audit.
  • Designed a data-driven KYC routing framework from analysis of 2,358 case studies, establishing a four-tier risk classification model that improved onboarding precision by 60% and reduced manual review volume by 50%.
  • Built Bolt's first Compliance AI tools: a merchant sanctions screening system and a Product Risk Assessment platform that replaced a fully manual workflow, reduced turnaround time by over 80% while saving the company about $100K USD in vendor integration costs.
  • Authored Product Compliance Advisories for Bolt Earn, card-switch, early wage access, and other in-app products, defining launch blockers and risk controls that secured conditional bank partner approval.
Bolt Lightning Award, December 2025: Exceptional impact, cross-functional leadership, and innovation
Senior Manager, Compliance Product Jul 2022 to Apr 2025
HackerOne · San Francisco, US
  • Established HackerOne's first Financial Crimes Compliance product framework within the AML Program, serving as its internal SME across Engineering, Security, Legal, and Marketing.
  • Delivered HackerOne's first UK Sanctions Screening product, directly enabling the closure of a strategic enterprise customer that contributed to the company's $300M USD revenue milestone in 2023.
  • Managed end-to-end implementation of a new Identity Verification, Fraud, and Risk Analysis solution, reducing payment processing delays by 80% compared to the prior year.
  • Drove a 50% year-over-year improvement in KYC and sanctions screening user experience and supported a successful 2024 compliance audit through data-informed product iteration.
AML Lead Jul 2020 to Jul 2022
ChipperCash (Critical Ideas Inc.) · San Francisco, US
  • Established ChipperCash's first Onboarding and Due Diligence team from inception, scaling to 17 full-time employees, processing approximately 400 KYC submissions, 100 watchlist alerts, and 20 fraud cases daily across 9 jurisdictions.
  • Co-authored the company's foundational Legal, Risk, and Compliance Policy, establishing the compliance culture and positioning the business for Series B and C fundraising rounds totaling $250M.
  • Built SQL-based Metabase dashboards to monitor daily compliance KPIs, reducing case turnaround time by 50% and improving team accountability across the function.

Ventures

Building beyond the day role

Founding Partner

Romi10 Labs

We engineer clarity from complexity.

A technology company deploying AI agents with human-in-the-loop oversight to build operational systems for organisations navigating complex, high-stakes environments. Products include a multi-tenant Compliance platform covering KYC, Transaction Monitoring, and Sanctions Screening; a Maritime Terminal Operating System; an ERP for private and government organisations, and an EMR for health organisations.

Compliance Tech Maritime OS GovTech Health Tech
romi10.com →

Investor

Village House

Berlin's best jollof rice.

Early investor in Village House, a food and hospitality concept bringing West African cuisine to Berlin. Operating as Jollof District, serving fast, fresh grab-and-go from Neukölln, delivered via Wolt across the city.

Food and Hospitality Berlin West African Cuisine
visitvillagehouse.com →

Social Impact

Giving back

ILUMSA Hippocrates Pitch

Donor

Annual donor to the ILUMSA Hippocrates Pitch, a competition that funds and mentors undergraduate medical students developing innovative solutions at the intersection of digital health and health technology.

Contact

Let's build something.

ayodejiogunniyi@gmail.com LinkedIn Romi10 Labs