BSA AML Program Manager

Transact Campus • Atlanta, GA

6d • Hybrid

About The Position

The BSA/AML Program Manager is responsible for the design, execution, and ongoing governance of the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) compliance program. This role ensures regulatory requirements are met, financial crime risks are effectively managed, and program controls operate consistently across business lines, products, and jurisdictions.

The BSA/AML Program Manager is responsible for designing, executing, and governing Illumia’s BSA/AML and KYC programs end-to-end.

This role serves as a key liaison between Compliance, Banking Operations, Risk, Technology, Legal, Internal Audit, and external regulators, providing oversight, strategic direction, and execution leadership for the BSA/AML framework.

Requirements

• 7+ years of recent BSA/AML and KYC experience in a bank, fintech, payments, or money services business, with direct accountability for program design and execution beyond policy authorship.
• Demonstrated experience building a scalable and robust KYC and BSA/AML program from the ground up or through significant modernization.
• Working knowledge of card processing and payfac program requirements, including sponsor bank obligations, card network rules, and sub-merchant/merchant onboarding and monitoring.
• Demonstrated experience selecting and implementing BSA/AML program tools, including transaction monitoring, sanctions screening, KYC/identity verification, and case management platforms.
• Proven leadership in driving change and implementing new processes and procedures successfully across multiple departments.
• Strong written and verbal communication skills with the ability to communicate clearly with regulators, sponsor banks, executives, and cross-functional partners.

Nice To Haves

• CAMS, CFCS, or equivalent financial crime compliance certification.
• Experience in a high-growth fintech or payments company, particularly one operating under a sponsor bank model.
• Background managing regulatory exams and responding to findings from federal or state banking regulators.
• Experience serving as BSA Officer or deputy BSA Officer for a bank, fintech, or payments program.
• Familiarity with OFAC sanctions programs, FinCEN guidance, and state money transmission requirements.

Responsibilities

• Owns the end-to-end design, execution, and governance of Illumia’s BSA/AML and KYC programs, including written policies, procedures, and internal controls that meet regulatory expectations and scale with business growth.
• Designs and operates the KYC/CIP/CDD framework, including enhanced due diligence for higher-risk customers and ongoing monitoring; maintains the enterprise-wide BSA/AML risk assessment ensuring controls keep pace with new products, channels, and jurisdictions.
• Leads BSA/AML oversight of card issuing, acquiring, and payment facilitator (payfac) programs; owns sub-merchant and merchant onboarding, underwriting, and periodic review requirements, ensuring alignment with card network rules (Visa, Mastercard) and sponsor bank expectations.
• Selects, implements, and optimizes the technology stack supporting the BSA/AML program, including transaction monitoring, sanctions/PEP screening, case management, and KYC/identity verification platforms; tunes detection scenarios and alert workflows to reduce false positives while maintaining coverage of risk typologies.
• Builds the operational model for alert triage, investigations, SAR/CTR filing, and recordkeeping with defined SLAs, quality standards, and productivity metrics; partners with Technology and Data teams to ensure clean data feeds, system integrations, and auditable reporting.
• Serves as primary point of contact for regulators, examiners, auditors, and sponsor bank partners; leads responses to regulatory exams, internal audits, and sponsor bank reviews, including findings remediation and corrective action plans.
• Tracks regulatory developments (FinCEN, OFAC, federal banking agencies, state regulators) and translates changes into program updates; drives process and procedural change across Operations, Product, Client Success, and Professional Services, and builds BSA/AML training and awareness programs tailored to role-specific risk exposure.

Benefits

• Flexible time off to include paid holidays and volunteer time.
• Robust health, dental, and vision insurance plans on your first day of employment
• Employer-paid life insurance/AD&D/short-term and long-term disability insurance
• Comprehensive employee assistance program (EAP)
• Flexible spending account (FSA) or health savings account (HSA)
• Matched 401(k)
• Employee stock purchase plan

What This Job Offers

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