BSA/AML Compliance Specialist

Accountabilities:

Support the day-to-day operation and ongoing enhancement of the U.S. Bank Secrecy Act and Anti-Money Laundering (BSA/AML) compliance program. Conduct risk-based investigations, maintain regulatory documentation, and collaborate with internal teams to ensure compliance controls remain effective and aligned with applicable requirements.

• Administer U.S. BSA/AML and sanctions compliance controls, maintaining procedures, supporting documentation, and relevant records.
• Draft, review, and update BSA/AML policies, procedures, risk assessments, and control documentation for approval by compliance leadership.
• Review transaction monitoring alerts, investigate unusual activity, document findings, and escalate concerns according to established procedures.
• Prepare suspicious activity investigation summaries and Suspicious Activity Report (SAR) narratives, supporting timely filings and accurate recordkeeping.
• Review customer onboarding and due diligence materials, including Know Your Customer (KYC), Know Your Business (KYB), Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) documentation.
• Identify gaps in customer information and recommend appropriate risk-based actions.
• Assist with regulatory reporting and filings, including Financial Crimes Enforcement Network (FinCEN) reports, Nationwide Multistate Licensing System (NMLS) filings, and Money Services Business (MSB) Call Reports, where applicable.
• Support regulatory examinations, independent compliance reviews, banking partner information requests, and consumer complaint investigations and responses.
• Collaborate with Compliance, Operations, Product, and Commercial teams to resolve compliance questions and improve workflows.
• Monitor developments in U.S. money transmission regulations, payments, sanctions, and financial crime risks related to digital assets.
• Manage assigned investigations and compliance tasks independently, escalating matters requiring senior-level review or approval.

Requirements:

The ideal candidate brings practical experience in financial crime compliance, strong investigative and documentation skills, and a sound understanding of U.S. regulatory requirements. You should be comfortable managing sensitive investigations, exercising independent judgment, and balancing multiple priorities while maintaining accuracy and meeting deadlines.

• 3–5+ years of hands-on experience in BSA/AML compliance, financial crime investigations, or a related compliance function within banking, payments, money services businesses, or fintech.
• Working knowledge of BSA/AML requirements, FinCEN regulations, Office of Foreign Assets Control (OFAC) sanctions, and risk-based customer due diligence.
• Experience investigating transactions and preparing clear, well-supported SAR narratives or investigative memoranda.
• Practical experience reviewing KYC/KYB documentation, CDD/EDD materials, and customer risk profiles.
• Understanding of compliance controls, regulatory reporting, documentation standards, and escalation procedures.
• Strong written communication skills and the ability to document investigative findings accurately and defensibly.
• Sound judgment, attention to detail, analytical thinking, and the ability to organize competing priorities.
• Ability to work independently on assigned matters while recognizing when issues require compliance leadership approval.
• Strong collaboration and communication skills when working with global teams and cross-functional stakeholders.

Preferred qualifications include:

• Exposure to U.S. money transmitter regulations and Money Transmitter License (MTL) requirements.
• Familiarity with NMLS reporting and MSB regulatory filings.
• Experience with stablecoins, digital assets, blockchain analytics, or cross-border payments.
• Experience supporting regulatory examinations, banking partner reviews, or independent compliance assessments.

Benefits:

• Fair and competitive salary aligned with experience and professional growth.
• Flexible working hours, with a hybrid working approach.
• Flexible holiday arrangements.
• A collaborative, growth-oriented culture with opportunities for professional development.
• Opportunities to travel to international offices.
• An open and creative working environment where employees can contribute to organizational development and future opportunities.
• An inclusive workplace that encourages candidates to apply even if they do not meet every listed requirement.