Financial Intelligence Unit Senior Specialist - Crypto

SoFi • San Francisco, CA

7h • $99,200 - $186,000

About The Position

The Financial Intelligence Unit Senior Specialist - Crypto conducts independent investigations and analysis of potentially suspicious activity related to retail banking and virtual currency assets. The role ensures compliance with the Bank Secrecy Act, USA PATRIOT Act, and applicable AML regulations. It involves in-depth research, documenting findings, and filing Suspicious Activity Reports when appropriate within SoFi’s case management system.

The specialist investigates alerts and cases involving cryptocurrency and other virtual assets, including on-chain activity, and assesses risk exposure, sources and destinations of funds, and possible attribution of transactions, including sanctions exposure. The role also supports improvements to detection and prevention, management projects, and the development of training materials, standards, and operating procedures.

Requirements

• Bachelor’s degree from a four-year college or university in a related field.
• 3–5 years of investigations-related experience within a financial institution or government agency.
• At least 1–2 years of cryptocurrency-related AML transaction monitoring experience.
• Strong working knowledge of OFAC regulatory requirements and experience with screening tools and relevant technologies.
• Current knowledge of BSA/AML laws and regulations related to sanctions, money laundering, and terrorist financing, especially for virtual assets, and ability to apply that knowledge when assessing transactions and sanctions risk across products and services.
• Demonstrated written and verbal communication skills to work effectively with all organizational levels and business lines.
• Experience conducting fraud investigations and AML transaction monitoring involving cryptocurrency typologies, such as mixers, P2P exchanges, decentralized exchanges, and fraud using Cryptoasset ATMs, as well as transaction tracing.
• Experience conducting transaction-monitoring investigations using blockchain analytics tools.
• Strong organizational, verbal, written, interpersonal, and analytical skills.
• Ability to multitask, adapt to changing priorities, and prioritize workflow to meet critical deadlines.
• Ability to work effectively under pressure in a fast-paced, demanding, and changing environment.
• Track record of identifying gaps and process improvements, proactively proposing solutions, and, as appropriate, executing team-wide communication and training.

Nice To Haves

• CAMS or CFE certification, or willingness to become certified within one year of the start date.
• Chainalysis Digital Assets Program certifications or similar certifications.

Responsibilities

• Conduct and review AML investigations, particularly involving cryptocurrency and other virtual assets, to determine whether alerts or cases are risk-relevant and warrant a SAR filing.
• Conduct in-depth on-chain investigations to evaluate wallet risk exposure, customer source of funds, destination of funds, transaction attribution, and sanctions exposure.
• Ensure alert and case decisions are appropriate, supported, and clearly documented.
• Maintain knowledge of AML and fraud typologies related to retail banking, brokerage, and digital assets, including scams, stolen funds, ransomware, mixers, sanctions exposure, cross-chain activity, and DeFi risks.
• Provide use-case experience to improve detection and prevention of potentially suspicious activity, including account takeover, elder abuse, and familial-related matters.
• Assist management with ad hoc projects and investigations, and create training documentation, standards, and operating procedures as required.
• Identify process gaps and improvements, propose solutions, and, as appropriate, carry out team-wide communication and training.

Benefits

• SoFi describes its benefits as comprehensive and competitive and refers applicants to its Benefits at SoFi page; specific benefits are not listed in the posting.

What This Job Offers

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