AML Compliance Analyst

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Sezzle

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2016

💳 Fintech

👥 B2C

🛍️ eCommerce

Fintech • B2C • eCommerce

Sezzle is a financial technology company that offers a "buy now, pay later" service, allowing consumers to purchase products and pay for them in four interest-free installments over six weeks. The Sezzle app provides users with a flexible financing alternative to traditional credit cards, enabling instant approval decisions without impacting credit scores. Sezzle partners with various top brands, including Amazon, Walmart, and Target, to offer in-app and in-store payment options. The company's mission is to empower consumers financially by providing more financial freedom and control. It is available as a mobile app, with millions of downloads and high user ratings, and works towards accessibility and inclusion on its platform.

📋 Description

• Provide compliance advisory support on consumer finance and payments requirements. • Track and complete Compliance Operations, Advisory, and Financial Crimes Compliance work using defined workflows and evidence standards. • Perform second-line oversight reviews of higher-risk complaint handling and contribute to complaint trend and root-cause analysis. • Maintain issue/action logs, validate remediation plans and evidence, and monitor aging to closure. • Review initiatives for compliance impacts, control readiness, and required approvals or escalations. • Conduct pre-use compliance reviews of marketing and customer communications, identifying disclosures and risks such as UDAAP and fair lending. • Assist with product development compliance assessments and maintain risk/control documentation. • Support third-party compliance activities, including due diligence, contract requirement tracking, and ongoing monitoring. • Support BSA/AML transaction monitoring, alert and case review, and disposition. • Assist with sanctions/OFAC screening and watchlist management. • Support CIP, CDD/EDD activities, identity-defect remediation, and program control testing. • Assist with SAR narratives and supporting evidence, coordinating with investigators and escalating as appropriate. • Advise business, product, and operations partners on financial crimes requirements and control expectations. • Support subpoena and regulatory information-request responses, including FinCEN Section 314(a) inquiries. • Prepare written memos and governance-ready summaries for leadership and partner reporting. • Gather and deliver information for regulatory reviews, examinations, audits, and supervisory events. • Support additional compliance initiatives and projects as assigned.

🎯 Requirements

• Self-motivated, adaptable, and able to work independently or collaboratively. • Understanding of consumer-finance regulatory frameworks, including BSA/AML, USA PATRIOT Act, and OFAC/sanctions. • Experience in compliance operations/advisory, risk management, quality assurance, or control/oversight activities. • Strong written communication and documentation skills. • Strong project-management and organizational skills. • Analytical judgment and ability to recommend practical risk-mitigation solutions. • Interpersonal and communication skills for engaging stakeholders at all levels and providing effective challenge. • High integrity and sound ethical judgment. • Working knowledge of transaction monitoring, alert/case management, sanctions screening, CIP/CDD, and SAR processes, or ability to learn quickly. • Comfort working with high-volume data and structured review workflows. • BS/BA degree or higher in accounting, finance, business administration, legal studies, information systems, or related field. • Minimum of 3 years of professional experience in consumer finance, fintech, banking, or another regulated environment preferred. • CAMS or other financial-industry compliance certification is a plus. • Experience with complaint management oversight, issues management, change management, marketing review, product compliance assessments, financial crimes compliance, or third-party oversight is highly desirable.

🏖️ Benefits

• Remote work arrangement