BSA/AML Officer (US based)

spendbase • San Francisco, CA

2d • Remote

About The Position

We are seeking a proactive and detail-oriented BSA/AML Officer to join our compliance team. In this role, you will own key components of our U.S. AML Program, oversee transaction monitoring, manage SAR escalation and coordination, ensure OFAC sanctions alignment, and conduct U.S.-specific risk assessments across our products and customer base. If you thrive in a fast-moving fintech environment and want to take ownership of high-impact compliance responsibilities, this role is an excellent fit. Experience with Canadian AML/ATF requirements (FINTRAC) is a strong advantage.

Requirements

• 3+ years of experience in U.S. BSA/AML compliance, ideally in banking, fintech, payments, or financial services
• Strong working knowledge of the Bank Secrecy Act (BSA), USA Patriot Act, OFAC sanctions, and other relevant U.S. AML regulations
• Demonstrated experience managing or supporting a U.S. AML Program, including SAR filings and escalation processes
• Hands-on experience with transaction monitoring oversight and alert triage
• Understanding of sanctions compliance (OFAC) and risk-based sanctions alignment frameworks
• Proven ability to conduct U.S.-specific risk assessments and document risk findings clearly
• Excellent analytical skills and attention to detail
• Strong communication skills with the ability to explain complex regulatory requirements to cross-functional teams
• Self-starter who can work independently and thrive in a fast-paced compliance environment

Nice To Haves

• Familiarity with industry-standard compliance tools (transaction monitoring systems, sanctions screening platforms, case management tools, etc.)
• Professional certifications such as CAMS, CFCS, ICA, or equivalent
• Exposure to cross-border AML frameworks and global KYC best practices
• Experience and knowledge of Canadian AML/ATF regulatory requirements (FINTRAC), reporting practices, sanctions regimes, and MSB obligations are considered a strong advantage

Responsibilities

• Support the U.S. BSA/AML Compliance Program by maintaining and enhancing policies, procedures, and processes
• Oversee transaction monitoring, validate alerts, evaluate risk signals, and coordinate escalation of suspicious activity for further review or investigation
• Take responsibility for SAR escalation and coordination, ensuring suspicious activity reports are prepared, escalated, and filed in line with FinCEN requirements
• Monitor evolving OFAC sanctions requirements and ensure alignment with internal controls and program governance
• Conduct periodic U.S.-specific AML risk assessments of products, customers, and transactions and translate findings into actionable risk mitigation plans
• Serve as a subject matter expert on BSA/AML/OFAC compliance matters and provide guidance to business partners and teams
• Develop and deliver internal training on AML obligations, reporting expectations, and red-flag identification
• Prepare and present compliance reports to leadership, audit teams, and control functions
• Support regulatory examinations, audits, and external reviews related to AML and sanctions compliance

What This Job Offers

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