Compliance Manager – BSA/AML Program

🕒 August 18

🇺🇸 United States – Remote

💵 $115.8k - $160.1k / year

⏰ Full Time

🟠 Senior

🔴 Lead

🚨 AML and Financial Crime

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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Upstart

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

🚘 Automotive

💼 Consulting

🏥 Healthcare

Automotive • Consulting • Healthcare

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The company focuses on revolutionizing lending and credit risk evaluation by leveraging its AI marketplace, which allows for higher approval rates and lower loss rates for Upstart-powered banks and credit unions. Recently, Upstart has expanded its offerings to include automobile refinancing. With a mission to enable effortless credit based on true risk, Upstart is also known for its digital-first lending experience and holds a significant position in the financial services sector.

📋 Description

• 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