Head of Financial Crimes

🔥 23 minutes ago

🏄 California, Florida, +1 more states – Remote

🏄 California – Remote 🐊 Florida – Remote 🗽 New York – Remote

💵 $210k - $260k / year

⏰ Full Time

🔴 Lead

🚨 AML and Financial Crime

🦅 H1B Visa Sponsor

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Flex

WebsiteLinkedInAll Job Openings

11 - 50 employees

💳 Fintech

🤝 B2B

💰 $100M Debt Financing on 2023-09

Fintech • B2B

Flex is an end-to-end finance platform designed for businesses, facilitating various financial operations and enhancing financial management. With a focus on providing comprehensive financial solutions, Flex aims to streamline processes and improve efficiency for its users in the commercial sector.

📋 Description

• Own the Global BSA/AML program end to end, including policy, risk assessment, governance, and regulatory reporting. • Partner with product, risk, operations, engineering, and business teams to develop, implement, and refine policies, controls, and workflows across AML/BSA, Sanctions/OFAC, CIP/KYC, CDD/EDD, transaction monitoring, and fraud. • Build and run Flex's crypto and stablecoin financial crime program, including typologies specific to on/off ramp activity, stablecoin issuance and redemption. • Build and enhance transaction monitoring and fraud detection capabilities, including rules, thresholds, typology development, alert handling procedures, QA, and documentation to support regulatory expectations and operational efficiency. • Own regulator and bank partner exam readiness, including managing findings and remediation timelines. • Analyze trends across AML alerts, suspicious activity, account behavior, fraud attempts, chargebacks, and transactional anomalies to identify emerging threats, recommend remediations, and drive control enhancements. • Stand up and refine fraud response processes including case handling, escalation protocols, and cross-functional incident response collaboration. • Manage and prioritize projects across financial crimes scope, establishing operational cadence and driving coordination between technical, legal, data, and operations stakeholders. • Track regulatory, legal, and industry developments related to BSA/AML, KYC, OFAC, fintech financial crime, and fraud; translate requirements into practical program updates and business guidance. • Develop and deliver training programs supporting AML, sanctions, fraud awareness, transaction monitoring, and financial crime obligations across the organization. • Perform periodic assessments and thematic risk reviews to identify gaps, vulnerabilities, and control performance opportunities; propose targeted enhancements. • Serve as a key advisor to stakeholders across the company on AML, sanctions, KYC, and fraud risk matters; escalate issues appropriately and with clarity. • Support internal audits, bank partner reviews, and regulatory examinations, and coordinate remediation efforts where findings arise. • Design and maintain reporting and dashboards communicating program performance, key risk indicators, trends, and outcomes to senior leadership and partners.

🎯 Requirements

• 7–10+ years of experience in financial crime compliance, AML/BSA, fraud risk management, transaction monitoring, or a related risk function within fintech, financial services, or a regulated payments environment. • Deep working knowledge of BSA/AML, OFAC/sanctions, KYC/CIP, CDD/EDD requirements, and how they apply to fintechs and bank partnerships. • Experience designing, implementing, or maturing financial crime controls, including program documentation, monitoring frameworks, workflows, governance, and reporting structures. • Experience with global or multi-jurisdictional AML/sanctions programs. • Hands-on work designing transaction monitoring and/or fraud detection programs, including rule strategy, tuning, alert handling, investigations, typologies, and playbook development. • Demonstrated ability to analyze data and trends, synthesize insights, and translate signals into practical risk mitigation actions. • A builder mindset, you thrive in environments where programs are evolving, structure needs to be created, and you can balance regulatory expectations with practical execution. • Exceptional communication and stakeholder partnership skills, with the ability to influence, educate, and collaborate across legal, product, engineering, operations, and leadership teams. • Strong judgment and risk-based thinking, able to navigate ambiguity, make sound decisions, and escalate when appropriate. • Attention to detail with the ability to manage multiple priorities and execute in a fast-moving, high-growth environment.

🏖️ Benefits

• Real equity if you help build something big.