Deputy BSA Officer - FinTech

What you’ll be doing: Providing oversight and effective challenge across transaction monitoring, KYC, sanctions screening, and AML operations Reviewing SARs, complex investigations, escalation decisions, and supporting documentation Supporting timely and accurate SAR filings and other required BSA/AML reporting Reviewing EDD, high-risk customer activity, and financial crime exposure across customer types and products Supporting subpoenas, 314(a) requests, law enforcement enquiries, audits, and regulatory examinations Managing AML/KYC incidents, control gaps, root cause analysis, and remediation activity Supporting BSA/AML risk assessments across products, services, customer segments, and third-party relationships Assessing financial crime risk linked to new products, payment flows, and business initiatives Working with product, fraud, operations, data, and risk teams to strengthen controls before issues become regulatory problems Supporting KRIs, metrics, governance reporting, training, and broader AML control framework development

What we’re looking for: Strong U.S. BSA/AML experience within a regulated fintech, MTL, payments, digital banking-style, crypto, or global banking environment Deep understanding of BSA, FinCEN guidance, USA PATRIOT Act obligations, OFAC / sanctions risk, SAR decisioning, CIP/CDD/EDD, and AML investigations Strong experience across SARs, transaction monitoring, KYC, sanctions screening, escalations, EDD, and high-risk customer activity Experience providing oversight or challenge to first line financial crime operations Exposure to cards, ACH, RTP, wallets, wires, cross-border payments, embedded finance, or other complex payment flows Experience supporting audits, regulatory exams, lookbacks, remediation, control enhancement, or issue management Strong written judgement: SAR narratives, escalation rationale, risk assessment documentation, control findings, and regulatory responses Comfortable using AI tools day-to-day to support investigations, research, workflow efficiency, documentation, analysis, and operational decision-making Exposure to AI/ML-enabled financial crime tooling, behavioural detection, alert optimisation, workflow automation, or technology-led AML environments is valuable Hands-on operator who still enjoys execution, not someone managing from distance CAMS or equivalent preferred Why this role exists As the business scales across products, jurisdictions, customers, and transaction volume, financial crime risk and regulatory expectations are becoming more complex. The firm needs a Deputy BSA/AML Officer who can provide credible oversight, challenge first line activity, support regulatory readiness, and stay close enough to the work to know where the real risk sits.