BSA / AML Manager

Freelancer.com • San Francisco, CA

4h • Onsite

About The Position

Escrow.com is the world’s largest provider of secure online payments. We have safely handled over US$7 Billion in transactions for some of the world's largest marketplaces and platforms, including Shopify, GoDaddy, and eBay.
We are looking for a highly analytical and execution-focused BSA / AML Manager to join our team in San Francisco. Reporting directly to the Director of Compliance and Legal, you will be the task owner for the platform’s BSA / AML / CFT compliance operations. This is not a "theoretical" compliance role; you will be the decision-maker on high-risk transactions and a key partner to our engineering team in building a world-class monitoring engine.
This is a full-time, in-office role in our San Francisco office, requiring a professional who can hit the ground running with minimal onboarding.

Requirements

• Demonstrated experience in AML / CFT compliance, within, fintech, crypto, payments, escrow, or marketplaces.
• Ability to act as a clear decision-maker on complex or high-risk cases.
• Hands-on experience with transaction monitoring frameworks, alert review, investigations, and escalation handling.
• Practical experience designing, implementing, or maintaining AML/CFT controls aligned to ML/TF risks.
• Experience working cross-functionally with engineering, operations, KYC, and customer support teams.
• Ability to document, update, and maintain process maps, procedures, and escalation protocols.
• Proven experience engaging with banking partners, auditors, and AML/CFT supervisors when required.
• Strong general compliance experience within financial services
• Experience working with screening and transaction monitoring tools
• Good knowledge of internal control testing and assurance

Responsibilities

• Oversee the daily implementation and operation of the BSA / AML / CFT compliance program.
• Manage ML/TF red flags, including the identification, investigation, and resolution of large, suspicious, and unusual transactions.
• Work closely with engineering teams to design, build, maintain, and enhance the transaction monitoring engine and associated alert logic.
• Act as a primary escalation point for complex or high-risk transactions, customers, and structures.
• Serve as a decision-maker for SMR / SAR filings, including assessment, approval, and regulatory submission.
• Partner with Operations, Customer Support, KYC, and other internal teams to develop, update, and maintain AML/CFT process maps, procedures, and escalation protocols.
• Conduct and maintain an enterprise-wide AML/CFT risk assessment, including periodic reviews and updates.
• Design, implement, and maintain ML/TF controls across the platform, aligned to the firm’s risk profile.
• Deliver role-based AML/CFT training across the business, tailored to operational, technical, and customer-facing teams.
• Act as control owner for ML/TF and fraud-related controls, including oversight of control design, effectiveness, and ongoing operation.
• Handle Independent AML program and System Audits
• Serve as an escalation and engagement point with banking partners and AML/CFT supervisors, as required.
• Drive the automation and uplift of customer due diligence (CDD/EDD) and transaction monitoring across the platform, including optimisation of workflows, thresholds, alerts, and risk-based decisioning.

Benefits

• Fast-track your career: We boast a meritocratic culture, renowned for hiring into senior roles from within and producing many business and product leaders in the FinTech industry.
• Not a cog-in-the-machine: You will join a global FinTech with a culture that allows you to take ownership and see the tangible impact of your work immediately.
• Weekly Town Halls: Direct Q&A sessions with the CEO where you can ask anything.
• Hack-a-thons: Quarterly events where teams create solutions to existing problems and win prizes.
• Fun Events: We prioritise a high-energy office culture and meaningful in-person collaboration.

What This Job Offers

• Job Type: Full-time
• Career Level: Manager
• Education Level: No Education Listed