Head of Financial Crimes Risk Management
Skills
About the Role
You will serve as the designated BSA Officer and lead the design, implementation, and maintenance of a risk-based BSA/AML and sanctions compliance program. You will manage transaction monitoring and investigations, oversee KYC and customer due diligence, file regulatory reports, present program updates to senior stakeholders, and implement technology and metrics to measure program effectiveness. You will also build and lead a financial crimes team, manage partner and vendor risk, and work with product and engineering to integrate controls.
Requirements
- 10+ years of progressive experience in BSA/AML compliance with at least 5 years in a leadership role
- Previous experience serving as a BSA Officer or similar role with regulatory reporting responsibilities
- Deep expertise in BSA/AML regulations OFAC sanctions FinCEN guidance and relevant federal banking laws
- Proven track record building technology-enabled risk management and compliance functions
- Experience leading investigative teams that prepare regulatory reports including SARs CTRs and 314(a) requests
- Strong understanding of card issuing payment processing or banking operations
- Experience managing regulatory examinations and audits
- Demonstrated ability to build compliance programs in high-growth or startup environments
- Excellent communication skills with ability to present to Board-level audiences
Responsibilities
- Serve as the designated BSA Officer with Board reporting responsibility
- Develop implement and maintain a risk-based BSA/AML compliance program
- Oversee policy development risk assessments independent testing and training
- Present regular updates to the Board on program effectiveness and remediation
- Maintain relationships with FinCEN federal and state banking regulators and supervisory agencies
- Design and oversee sanctions screening and compliance including OFAC requirements
- Coordinate sanctions-related reporting and regulatory inquiries
- Oversee customer identification program and CDD/EDD frameworks
- Manage customer risk rating ongoing monitoring and periodic reviews
- Lead transaction monitoring program including scenario development tuning and optimization
- Oversee investigation of alerts and identification of suspicious activity
- Manage SAR and CTR filing processes
- Develop case management protocols and quality assurance procedures
- Establish risk-based due diligence framework for platform partners and third-party issuers
- Monitor partner compliance with BSA/AML obligations and contractual requirements
- Implement oversight and audit procedures for partner programs
- Build and lead a high-performing financial crimes team
- Develop annual risk assessments and program testing schedules
- Implement technology solutions for screening monitoring and case management
- Establish key performance indicators and metrics for program effectiveness
- Collaborate with Product Engineering and Operations on controls integration
- Manage relationships with external vendors and service providers
Benefits
- Unlimited time off with a required minimum of 10 days
- Flexible working and home office stipend
- Comprehensive health dental and vision plans for US employees
- 100% company subsidized life insurance plan
- 401(k) with 4% company match
- Equity option plan
- Company issued cards for product testing
- Health and wellness spending eligibility for gym memberships fitness classes massages and acupuncture
- Team and company offsite summits domestically and internationally