TDAB - Chief Compliance Officer & BSA Officer

Telcoin • Norfolk, NE

1d

About The Position

Telcoin Digital Asset Bank (TDAB), a Nebraska-chartered digital asset depository institution, is seeking a Chief Compliance Officer who will also serve as the Board-designated BSA Officer. The role owns the Bank’s risk-based BSA/AML, counter-terrorist financing, and OFAC sanctions compliance program across fiat and digital asset activities. This senior leadership position reports to the Board Risk/Audit Committee and serves as the Bank’s primary BSA/AML contact for the state banking regulator, FinCEN, OFAC, and federal partners.

The role will establish and scale the Bank’s financial crimes compliance program as operations grow. It spans governance and risk assessment, customer due diligence, fiat and on-chain transaction monitoring, sanctions and Travel Rule compliance, investigations and regulatory reporting, stablecoin and custody controls, examinations and training, team leadership, and compliance budgeting and vendor management.

Requirements

• Bachelor’s degree in finance, criminal justice, law, business, or a related field.
• At least 8 years of BSA/AML compliance experience at a bank, trust company, or regulated money transmitter, including at least 3 years as a BSA Officer, deputy, or program lead.
• At least 2 years of direct experience with digital assets, virtual currency, or a VASP/crypto exchange.
• Hands-on experience leading regulatory examinations and remediating findings.
• Proven SAR decisioning and investigation management experience.
• Working knowledge of the BSA, USA PATRIOT Act, AML Act of 2020, FinCEN CDD Rule, OFAC regulations, and FATF virtual asset guidance.
• Track record of building or scaling a compliance function through significant growth, including owning a departmental budget.
• One or more certifications: CAMS, CAMS-FCI, CRCM, or CFE.
• Authorized to work in the United States.

Nice To Haves

• Advanced digital asset AML certification, such as CCAS, CCI, or a Chainalysis/TRM investigator certification.
• Experience at a de novo bank, with a charter application, or with state trust or digital asset charters.
• Experience with stablecoin programs, including issuer-side controls.
• JD, MBA, or other advanced degree.
• Familiarity with smart contracts, wallet architecture, and on-chain data analysis, such as SQL against blockchain data.

Responsibilities

• Update, implement, and maintain a risk-based BSA/AML/CFT and OFAC program covering internal controls, independent testing, a designated BSA Officer, training, and customer due diligence, including beneficial ownership.
• Draft and annually refresh BSA/AML and sanctions policies, procedures, and the Board-approved risk appetite.
• Report program status, metrics, and material issues to the Board and senior management at least quarterly.
• Own the enterprise BSA/AML and sanctions risk assessment, covering products, customers, geographies, delivery channels, and digital asset types.
• Oversee CIP, KYC, KYB, and enhanced due diligence for retail, institutional, and VASP/counterparty customers.
• Set customer risk-rating methodology and periodic review cycles; approve onboarding of high-risk customers, including VASPs, money services businesses, and foreign correspondents.
• Oversee fiat and on-chain transaction monitoring and blockchain analytics for wallet screening, exposure analysis, and tracing.
• Tune transaction-monitoring scenarios and thresholds, and document model validation and above/below-the-line testing.
• Address digital-asset typologies, including mixers and privacy tools, darknet markets, ransomware, chain-hopping, bridge exploits, and sanctioned addresses.
• Implement FinCEN Recordkeeping and Travel Rule compliance and FATF Recommendation 16 for virtual asset transfers, including counterparty VASP due diligence.
• Run OFAC and global sanctions screening of customers, transactions, and wallet addresses; manage blocking, rejection, and reporting obligations.
• Manage alert and case investigations, make final SAR filing decisions, and ensure timely filings and continuing-activity reviews.
• Ensure accurate and timely CTRs, 314(a) responses, 314(b) information sharing, and responses to subpoenas and law enforcement requests.
• Establish AML controls for stablecoin issuance, redemption, reserves-related flows, and freeze/blacklist capabilities in coordination with Legal and Engineering.
• Ensure custody and wallet-management processes meet recordkeeping and monitoring requirements.
• Serve as the primary contact for BSA/AML portions of regulatory examinations and independent audits, and own remediation of findings.
• Deliver role-based BSA/AML training for the Board, employees, and contractors, including tailored digital asset content.
• Evaluate and oversee third-party compliance vendors and partner-bank or program-manager arrangements.
• Build, staff, and lead the financial crimes compliance team; set QA standards and KPIs.
• Design a compliance operating model that can grow with the business, and plan staffing, tooling, and processes ahead of growth in customers, transaction volumes, products, and jurisdictions.
• Develop talent through clear career paths, succession planning, and ongoing professional development.
• Partner with Product and Engineering to embed compliance controls into new products before launch.
• Own the compliance function’s P&L and annual budget, including headcount, technology, blockchain analytics and screening vendors, independent testing, and training.
• Build business cases for compliance investment, including cost, benefit, and risk-reduction analysis, and present them to senior management and the Board.
• Track compliance unit costs and identify efficiencies as volumes grow.
• Work with Finance and business leaders to reflect compliance costs and risks in product pricing, new-market entry, and partnership decisions.
• Negotiate and manage vendor contracts to deliver value while meeting regulatory standards.

Benefits

• Executive leadership role at a pioneering digital asset bank.
• Opportunity to build the Bank’s compliance function from the ground up and shape its risk culture.
• Direct access to the Board and senior leadership.
• Exposure to innovative blockchain and payment technologies.

What This Job Offers

• Job Type: Full-time
• Career Level: Executive