Senior Director, Financial Crimes Compliance

🕒 May 6

🤠 Texas – Remote

🤠 Texas – Remote

⏰ Full Time

🟠 Senior

🚨 AML and Financial Crime

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Cornerstone Capital Bank

WebsiteLinkedInAll Job Openings

51 - 200 employees

🏦 Banking

💸 Finance

Banking • Finance

Cornerstone Capital Bank is a community-focused national bank formed by the merger of Cornerstone Home Lending and Roscoe Bank that provides mortgage origination and servicing, personal and commercial banking, and institutional treasury and liquidity services. The bank emphasizes customer service, stability, and digital convenience, offering fee-free deposit accounts, national ATM access, wire and ACH transfers, and integrated mobile banking alongside personalized, one-on-one financial support. It serves consumers, businesses, and other financial institutions with a broad suite of banking and home-lending products.

📋 Description

• Provide strategic direction and day-to-day oversight of the Bank's BSA/AML compliance program, including Suspicious Activity Report (SAR) filing, Currency Transaction Report (CTR) processing, and Customer Due Diligence (CDD/EDD) requirements. • Direct the annual BSA/AML risk assessment process, ensuring adequate coverage of all bank activities. • Maintain and evolve BSA/AML policies, procedures, and controls in alignment with FinCEN guidance, FFIEC BSA/AML Examination Manual, and applicable state law. • Oversee the Bank's transaction monitoring program, including system configuration, alert tuning, and escalation workflows. • Ensure timely, complete, and accurate regulatory reporting to FinCEN, including the management of lookback reviews or remediation as needed. • Lead the Bank's OFAC/sanctions screening program, ensuring controls are appropriately applied to mortgage loan origination, commercial credit underwriting, ACH, wire, and other payment channels. • Oversee the fraud risk intelligence function, coordinating with Operations, Retail Banking, and Commercial Banking on emerging fraud typologies relevant to lending and deposit products. • Serve as the primary compliance partner for the Mortgage and Consumer Lending business line, ensuring financial crimes controls are embedded in the origination lifecycle. • Act as primary point of contact for BSA/AML and financial crimes-related internal audits and examinations.

🎯 Requirements

• Bachelor's degree in Finance, Accounting, Business Administration, Law, or a related field required; J.D., M.B.A., or advanced degree strongly preferred. • Minimum 8 years of progressive experience in BSA/AML compliance, financial crimes, or regulatory compliance within a federally regulated financial institution or top consulting firm. • Minimum 5 years in a senior leadership role with direct management of compliance teams and regulatory relationships. • Demonstrated expertise in BSA/AML regulatory requirements including the Bank Secrecy Act, USA PATRIOT Act, FinCEN regulations, and FFIEC examination guidance. • Substantial hands-on experience with mortgage origination compliance, consumer lending regulations, and commercial banking financial crimes risk. • Proven track record managing federal and/or state regulatory examinations including examination management, regulatory responses, and remediation execution. • Advanced proficiency in transaction monitoring systems (e.g., Verafin, NICE Actimize, FIS MISER, Jack Henry Banno, or equivalent). • Certified Anti-Money Laundering Specialist (CAMS), Certified Fraud Examiner (CFE) or Certified Regulatory Compliance Manager (CRCM) preferred.

🏖️ Benefits

• Competitive salary • Full benefits package • Performance-based bonus