Note: The job is a remote job and is open to candidates in USA. Illumia provides integrated technology solutions for education, healthcare, and business campuses worldwide. The BSA/AML Program Manager will design, execute, and govern the company’s BSA/AML and KYC compliance programs, oversee financial crime risk controls, manage regulatory and sponsor bank relationships, and lead cross-functional program improvements.
Responsibilities
- Owns the end-to-end design, execution, and governance of Illumia’s BSA/AML and KYC programs, including written policies, procedures, and internal controls that meet regulatory expectations and scale with business growth
- Designs and operates the KYC/CIP/CDD framework, including enhanced due diligence for higher-risk customers and ongoing monitoring; maintains the enterprise-wide BSA/AML risk assessment ensuring controls keep pace with new products, channels, and jurisdictions
- Leads BSA/AML oversight of card issuing, acquiring, and payment facilitator (payfac) programs; owns sub-merchant and merchant onboarding, underwriting, and periodic review requirements, ensuring alignment with card network rules (Visa, Mastercard) and sponsor bank expectations
- Selects, implements, and optimizes the technology stack supporting the BSA/AML program, including transaction monitoring, sanctions/PEP screening, case management, and KYC/identity verification platforms; tunes detection scenarios and alert workflows to reduce false positives while maintaining coverage of risk typologies
- Builds the operational model for alert triage, investigations, SAR/CTR filing, and recordkeeping with defined SLAs, quality standards, and productivity metrics; partners with Technology and Data teams to ensure clean data feeds, system integrations, and auditable reporting
- Serves as primary point of contact for regulators, examiners, auditors, and sponsor bank partners; leads responses to regulatory exams, internal audits, and sponsor bank reviews, including findings remediation and corrective action plans
- Tracks regulatory developments (FinCEN, OFAC, federal banking agencies, state regulators) and translates changes into program updates; drives process and procedural change across Operations, Product, Client Success, and Professional Services, and builds BSA/AML training and awareness programs tailored to role-specific risk exposure
Skills
- 7+ years of recent BSA/AML and KYC experience in a bank, fintech, payments, or money services business, with direct accountability for program design and execution beyond policy authorship
- Demonstrated experience building a scalable and robust KYC and BSA/AML program from the ground up or through significant modernization
- Working knowledge of card processing and payfac program requirements, including sponsor bank obligations, card network rules, and sub-merchant/merchant onboarding and monitoring
- Demonstrated experience selecting and implementing BSA/AML program tools, including transaction monitoring, sanctions screening, KYC/identity verification, and case management platforms
- Proven leadership in driving change and implementing new processes and procedures successfully across multiple departments
- Strong written and verbal communication skills with the ability to communicate clearly with regulators, sponsor banks, executives, and cross-functional partners
- CAMS, CFCS, or equivalent financial crime compliance certification
- Experience in a high-growth fintech or payments company, particularly one operating under a sponsor bank model
- Background managing regulatory exams and responding to findings from federal or state banking regulators
- Experience serving as BSA Officer or deputy BSA Officer for a bank, fintech, or payments program
- Familiarity with OFAC sanctions programs, FinCEN guidance, and state money transmission requirements
Benefits
- Flexible time off to include paid holidays and volunteer time.
- Robust health, dental, and vision insurance plans on your first day of employment
- Employer-paid life insurance/AD&D/short-term and long-term disability insurance
- Comprehensive employee assistance program (EAP)
- Flexible spending account (FSA) or health savings account (HSA)
- Matched 401(k)
- Employee stock purchase plan
Company Overview