AVP/BSA Program Manager

Quontic•Mesa, AZ

4d•Remote

About The Position

Quontic Bank is a CDFI federally chartered digital community bank with a customer-centric culture focused on helping customers and giving back to local communities. We are making homeownership simpler, faster, and more accessible for all communities across the United States. Quontic is the adaptive digital bank that empowers its customers financially while embracing their diverse circumstances. Quontic's mission to break the system for financial empowerment stands in the face of big banks and proves there is a better and more equitable way to put the customer first. We focus on truly understanding and serving the underdogs, entrepreneurs, gig-economy workers, immigrants, and more with a curated banking experience as opposed to a one-size-fits-all banking approach. Whatever your role, we are bound by a spirit of collective commitment and excellence in all aspects of our work. As an employee of Quontic, the importance of your contributions cannot be overstated. You are an important part of our team! The AVP/BSA Program Manager is responsible for the execution and ongoing administration of the Bank’s BSA/AML/OFAC compliance program. This role leads the BSA team, ensures adherence to regulatory requirements, and supports risk management through effective monitoring, reporting, and program oversight.

Requirements

Bachelor's degree (or equivalent) or similar; OR associate degree and two (2) years of experience in functional area; OR high school diploma (or equivalent) plus four (4) years of experience in functional area.
Additional five (5) years+ of progressive experience in functional area.
Extensive knowledge of BSA and AML laws and regulations, including the Bank Secrecy Act, the USA PATRIOT Act and OFAC requirements.
Residential mortgage banking experience.
Knowledge of enhanced due diligence & high-risk customer management, financial fraud and applicable state and federal laws, payments, MSBs, correspondent banking and complex customer types and product offerings.
Knowledge of automated transaction monitoring and high-risk customer modeling systems, watchlist screening systems/protocols including fuzzy logic and model tuning methodology/protocol.
Ability to multi-task, inclusive of ability to plan, organize and prioritize workloads.
Ability to work independently and as part of a team and work on own initiative, strong interpersonal and relationship building skills.
Proficient in Microsoft Excel, Microsoft Word, Project Management tools, Transaction Monitoring and Screening solutions.
Must be located in, or relocating to, one of the authorized states: AZ, CA, CO, CT, DE, FL, GA, ID, IL, IN, KS, KY, LA, MD, MI, MO, NC, NH, NJ, NV, NY, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV.

Nice To Haves

CAMS Certification preferred, or willingness to obtain the certification.

Responsibilities

Oversee day-to-day BSA/AML/OFAC operations, including workload allocation, SLA adherence, regulatory timelines, and team performance.
Manage transaction monitoring, alert review, SAR and CTR filings, OFAC/sanctions screening, IRS reporting, and 314(a)/(b) processes, ensuring accuracy, timeliness, and escalation of potential risks.
Conduct QA/QC reviews of BSA work products, maintain integrity of BSA systems and data sources, and partner with IT/data teams to resolve issues.
Lead and support BSA/AML/OFAC risk assessments, risk and control self-assessments (RCSA), and development of controls to mitigate identified and emerging risks.
Serve as liaison for regulatory exams, internal audit, and DFS 504 certification; coordinate responses to findings and ensure timely remediation.
Develop and update BSA/AML/OFAC policies, procedures, and training programs to ensure ongoing regulatory compliance and team readiness.
Support execution of the BSA/AML program, including system implementations, vendor management, risk scoring methodologies, and third-party due diligence.
Manage BSA-related projects, including system enhancements, product/service launches, onboarding initiatives, UAT/test plan development, and pilot execution.
Create and deliver metrics, dashboards, and reporting for leadership, governance forums, and the Board; identify trends, risks, and performance gaps.
Maintain deep knowledge of BSA/AML/OFAC regulations and emerging risks; provide guidance, interpretation, and recommendations to leadership.
Serve as a key liaison across Compliance, Risk, IT, and business partners to support program execution and continuous improvement.
Perform special projects, and additional duties and responsibilities as required.