Job Description:
• Provide strategic guidance to fintech partners on BSA/AML program requirements, control expectations, and remediation activities
• Lead development, implementation, and optimization of BSA/AML transaction monitoring scenarios for fintech partner programs
• Tune transaction monitoring thresholds and reduce false positives
• Conduct BSA/AML risk assessments for new and existing fintech partners
• Evaluate control effectiveness and implement mitigating controls
• Oversee CIP/KYC procedures, OFAC screening, and sanctions compliance conducted by fintech partners
• Monitor financial activity to identify, investigate, and report suspicious transactions or potential fraud
• Participate in BSA examinations with OCC examiners, including examination preparation, response drafting, and corrective action implementation
• Build and maintain the financial crimes component of the third-party risk management framework for fintech partnerships
• Develop and deliver BSA/AML training for internal staff and fintech partner personnel
• Serve as final reviewer on complex SAR investigations and ensure timely, accurate SAR and CTR filing in accordance with FinCEN requirements
• Monitor regulatory developments and industry trends to enhance the Bank’s BSA/AML program
• Prepare Board and senior management reporting on BSA/AML program performance, emerging risks, and key metrics
• Maintain understanding of legal and regulatory compliance issues relevant to the position
Requirements:
• Occasionally lift and/or move up to 10 lbs
• Literacy in English
• Ability to sit for extended periods and perform required physical activities, including twisting, bending, walking, reaching, balancing, stooping, and kneeling
• Ability to use hands to operate office tools and controls
• Required close, distance, peripheral, and depth vision, plus ability to adjust focus
• Bachelor’s degree (B.A.) from a four-year college or university; or three to five years related experience and/or training; or equivalent combination of education and experience
• Minimum 7 years of progressive BSA/AML compliance experience in banking or financial services
• At least 3 years of experience with fintech partnerships, BaaS programs, or digital banking platforms
• Experience with OCC, FDIC, or Federal Reserve regulatory examinations
• Experience developing and implementing transaction monitoring programs
• Experience managing complex SAR investigations from detection through filing
• Proficiency with transaction monitoring platforms such as Verafin, Actimize, SAS, NICE Actimize, or Sardine
• Advanced Excel skills, including pivot tables, VLOOKUP, and data analysis
• Ability to work independently in a fast-paced, startup-like environment with minimal supervision
• Excellent written and verbal communication skills, including ability to present to Board and regulatory audiences
• Strong analytical and problem-solving capabilities
• Proficiency with standard office technology and ability to learn new systems quickly
• Ability to travel occasionally for partner meetings and regulatory examinations
• CAMS strongly preferred
• CAFCA preferred
• CRCM a plus
• CFE a plus
• Experience with Power BI or Tableau preferred
• Familiarity with APIs and technical concepts related to digital banking
Benefits:
• Employee Stock Ownership Plan
• 401k Plan
• Healthcare (Medical, Dental, Vision, Telehealth, Life insurance)
• 12-week Paid Parental Leave and Medical Leave, with a cap of 20 weeks for eligible team members who qualify for both
• $5,000 Family Care Reimbursement: Childcare, Elder Care, Student Loan Debt, Pet expenses, Down Payment Assistance
• PTO from 13 to 23 days depending on tenure, with Cashout and Carryover options
• 10 Days Sick Time
• 11 Paid Holidays
• 4 Days Volunteer Time
• 2 Days Self Allowance Time
• Tuition Assistance
• Competitive salary and benefit package
• Employee Stock Ownership Program