Sr.ComplianceManager,MSB&ProgramManagement

## Accountabilities Lead second-line compliance oversight of fintech partners within sponsor bank BaaS programs, including monitoring, testing, issue management, escalation, and reporting. Support the design and execution of compliance testing frameworks, control assessments, and risk-based monitoring programs across partner portfolios. Review fintech policies, disclosures, marketing materials, and customer-facing content to ensure regulatory compliance and alignment with bank standards. Contribute to the buildout and ongoing operation of the MSB BSA/AML program, including SAR/CTR governance, transaction monitoring oversight, and KYC/CDD/EDD processes. Support MSB regulatory obligations such as FinCEN registration, SAR filing workflows, 314(a)/314(b) processes, and state money transmitter licensing compliance. Prepare compliance reporting for sponsor banks and internal leadership, including dashboards, risk trends, issue logs, and escalation summaries. Partner with cross-functional teams to identify compliance gaps, document findings, and implement remediation plans with clear accountability and timelines. Support regulatory readiness efforts, including exam preparation, audit coordination, and evidence management for FinCEN and other supervisory bodies. Requirements 7+ years of experience in BSA/AML, compliance, risk management, audit, or financial crime functions within banks, fintechs, MSBs, or BaaS program environments. Strong hands-on knowledge of MSB compliance requirements, including FinCEN regulations, SAR/CTR obligations, USA PATRIOT Act, and related AML frameworks. Experience working within or alongside Banking-as-a-Service programs, sponsor banks, or fintech partner oversight models. Deep understanding of transaction monitoring systems, case management workflows, and AML operational processes. Familiarity with consumer compliance frameworks such as UDAAP, EFTA/Reg E, TILA/Reg Z, GLBA/Reg P, FCRA, and related regulations. Experience with state money transm