Compliance Manager – BSA/AML Program
Employment Information
Report this job
Job expired or something wrong with this job?
Job Description
Upstart’s AI lending marketplace hiring a BSA/AML Compliance Manager for lending and deposit products. Designing risk-based controls, monitoring programs, reporting, and regulatory remediation.
Responsibilities:
- Lead the design, execution, and continuous improvement of BSA/AML, CDD, EDD, transaction monitoring, and sanctions screening processes
- Advise on deposit product initiatives and partner with Product, Legal, Operations, Engineering, and Enterprise Risk
- Develop and manage BSA/AML compliance initiatives, including deposit product launches, regulatory enhancements, and control improvements
- Administer ongoing CDD and EDD programs for deposit accounts in alignment with CIP, Red Flags Program, and BSA/AML procedures
- Evaluate risks and typologies to develop transaction monitoring rules and investigation processes
- Monitor FinCEN guidance, OFAC sanctions, and FFIEC BSA/AML examination expectations and translate changes into controls
- Develop KRIs, KPIs, and management reporting on BSA/AML program effectiveness
- Translate regulatory requirements and risk trends into recommendations for stakeholders and senior leadership
- Drive remediation of examination, audit, monitoring, and testing findings
Requirements:
- Bachelor's degree or equivalent practical experience
- 7+ years of experience in BSA/AML compliance, financial crimes compliance, or related Risk or Compliance work within a bank or regulated financial institution
- Experience implementing and managing customer onboarding, identity verification, CDD, EDD, sanctions screening, and ongoing monitoring processes
- Working knowledge of the Bank Secrecy Act (BSA), USA PATRIOT Act, Customer Due Diligence Rule, and BSA/AML risks associated with deposit products
- Experience developing AML risk assessments, KRIs/KPIs, and management reporting while leading cross-functional compliance initiatives
- Strong organizational, analytical, and communication skills
- Ability to identify policy and procedure gaps and drive resolution and closure
- Experience in audit and exam readiness, including evidence gathering, testing, monitoring, addressing findings, and responding to requests
- CAMS, CAFP, or equivalent certification preferred
- Experience supporting deposit products preferred
- Familiarity with BSA/AML tools for transaction monitoring, case management, and customer screening preferred
- Experience working with examiners, auditors, and third parties preferred
- Knowledge of regulatory change management preferred
- Ability to investigate complex compliance issues and perform root cause analysis preferred
- Ability to work within East/West coast time zones
Benefits:
- Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
- 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
- Comprehensive health coverage, including medical, dental, vision, and wellness resources
- Health Savings Account contributions for eligible plans (US only)
- Life insurance and disability coverage
- Paid time off, sick leave, and company holidays
- Paid family and parental leave
- Family-centered benefits supporting fertility, parenthood, and caregiving
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial planning tools and financial concierge service (US only)
- Annual wellness allowance
- Annual productivity allowance for relevant tools and resources
- Team events, all-company updates, and employee resource groups (ERGs)
- Regular team onsites and in-person collaboration
- Onsite perks including catered lunches and fully stocked micro-kitchens at company offices
Similar Jobs
Director, Quality Control – BSA/AML & Sanctions Operations
Director leading Pathward’s independent BSA/AML and sanctions quality-control function. Designing sampling, governance, error taxonomy, and team operations for a financial empowerment company.
AVP, Program Governance – BSA/AML & Sanctions Operations
AVP governing BSA/AML and sanctions operations at Pathward, a financial empowerment company. Managing vendors, regulatory reporting, operational metrics and KPI breach escalation.
KYC Analyst
KYC Analyst reviewing customer onboarding, screening alerts, and transaction monitoring for Bitcoin.com’s global crypto platform. Supporting AML investigations and compliant growth across jurisdictions.
Senior Financial Crime Investigator – Business Banking
Senior investigator protecting Monzo’s UK business banking customers from fraud and money laundering. Conducting complex KYB/AML reviews, SAR reporting, and investigator coaching.
Temporary AML IT Audit Consultant
Temporary IT Audit Consultant evaluating AML technology controls and validating remediation for RSM’s global banking clients. Testing ITGCs, models, applications, and regulatory controls.
Anti-Financial Crime Expert, Italian Speaking
Italian-speaking AML experts monitoring transactions and investigating financial crime for Mercier Consultancy Group, an international recruitment and BPO firm. Safeguarding banking compliance across European operations.
Advisor, BSA/AML Compliance
BSA/AML Advisor strengthening Pinnacle’s financial-crime compliance program. Leading enterprise AML/CFT risk assessments and maturing the risks-and-controls library.
Senior Manager, Financial Crime Risk Oversight
Senior manager overseeing TD's US financial crime risk programs and regulatory compliance. Leading AML, sanctions, ABAC, KYC governance, remediation, and second-line oversight.
IT Audit Consultant – AML, Regulatory Remediation
Temporary IT Audit Consultant evaluating AML technology controls and validating regulatory remediation. Supporting audit conclusions for a large global banking client through risk-based testing and documentation.
Money Laundering Reporting Officer, MLRO
Money Laundering Reporting Officer at VALR, ensuring compliance with AML/CTF regulations and policies. Engage in cryptocurrency initiatives while collaborating with global teams.
Senior Manager – Compliance & Financial Crimes (MLRO UK)
Senior Manager responsible for AML compliance and financial crime risk at UK payments company. Ensuring effective regulatory alignment while safeguarding company integrity and reputation.
KYC Officer II
KYC Officer II conducting and overseeing KYC due diligence for Fifth Third Bank. Evaluating customer risk and managing onboarding activities while ensuring compliance with regulations.
AML & RG Specialist
Join iTalent PLUS as an AML & Responsible Gaming Specialist, focusing on compliance and customer safety in iGaming. Enjoy flexible work while contributing to operational excellence.
Financial Crimes Case Investigations Analyst
Financial Crimes Case Investigations Analyst at Ameris Bank conducting case investigations on escalated customer accounts. Identifying suspicious activity while adhering to banking compliance regulations.
Analyst, Financial Crime Operation – LATAM Focus, Spanish Speaker
Analyst for Financial Crime Ops at Reap focusing on onboarding efficiency in LATAM. Improving KYB/KYC processes and collaborating with Compliance, Product, and Tech teams.
AML Manager
AML Manager at Ventures Lab ensuring compliance with AML, CTF & CPF regulations across multiple jurisdictions. Developing and implementing anti-money laundering strategies for the iGaming and Fintech industries.
Lead KYC Analyst
Lead KYC Analyst at Circle overseeing complex customer onboarding and AML/KYC compliance activities. Collaborating with internal stakeholders to ensure risk management and regulatory compliance.
Financial Crime Risk Specialist – Regulatory Response, Audit Oversight
Financial Crime Risk Specialist managing regulatory compliance and audit oversight at TD Bank. Developing and maintaining programs related to AML, ATF, and compliance training.
Financial Crime Risk Business Oversight Specialist
Financial Crime Risk Specialist providing oversight on AML/ATF/Sanctions compliance programs. Managing regulatory reviews and providing specialized guidance to business functions.
KYC Analyst
KYC Analyst responsible for onboarding and maintaining clients at Evertec, a fintech company. Involved in compliance and regulation processes across various client documentation.