Fintech BSA AML Manager
$90,000–$120,000 year
RemoteUnited States
Job Summary
Provide strategic guidance to fintech partners on BSA/AML program requirements, control expectations, and remediation activities. Lead the development, implementation, and ongoing optimization of BSA/AML transaction monitoring scenarios tailored for fintech partner programs, including tuning thresholds and reducing false positives. Conduct comprehensive BSA/AML risk assessments for new and existing fintech partners, identifying inherent risks, evaluating control effectiveness, and implementing additional mitigating controls. Oversee CIP/KYC procedures, OFAC screening processes and sanctions compliance conducted by fintech partners, ensuring compliance with regulatory requirements and Bank policies. Conduct continuous oversight of financial activity to identify, investigate, and report suspicious transactions or potential fraud. Participate in BSA examination activities with OCC examiners, including preparation of examination materials, response drafting, and corrective action implementation. Build and maintain the financial crimes component of the Bank's third-party risk management framework for fintech partnerships. Develop and deliver BSA/AML training programs for internal staff and fintech partner personnel. Serve as final reviewer on complex SAR investigations and ensure timely, accurate filing of SARs and CTRs in accordance with FinCEN requirements. Monitor regulatory developments and industry trends to proactively enhance the Bank's BSA/AML program. Prepare Board and senior management reporting on BSA/AML program performance, emerging risks, and key metrics.
Required Qualifications
- Occasionally lift and/or move up to 10 lbs
- Literacy in English
- Ability to sit for extended periods of time, twist, bend, sit, walk use hands to twist, handle or feel objects, tools, or controls, such as computer mouse, computer keyboard, calculator, stapler, telephone, staple puller, etc., reach with hands and arms, balance, stoop, kneel, talk, or hear
- Specific vision abilities required by the job include close vision, distance vision, peripheral vision, depth perception and the ability to adjust focus
- Bachelor's degree (B.A.) from 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 specifically with fintech partnerships, BaaS programs, or digital banking platforms
- Demonstrated experience with OCC, FDIC, or Federal Reserve regulatory examinations
- Experience developing and implementing transaction monitoring programs
- Track record of managing complex SAR investigations from detection through filing
- Proficiency with transaction monitoring platforms (e.g., Verafin, Actimize, SAS, NICE Actimize, 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
Desired Qualifications
- CAMS (Certified Anti-Money Laundering Specialist) strongly preferred
- CAFCA (Certified AML FinTech Compliance Associate) preferred
- CRCM (Certified Regulatory Compliance Manager) a plus
- CFE (Certified Fraud Examiner) a plus
- Experience with data visualization tools (Power BI, Tableau) preferred
- Familiarity with APIs and technical concepts related to digital banking
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