Manager, Financial Crimes – Enterprise Risk Management

Role Overview

• Lead the day-to-day execution and continuous enhancement of EarnIn’s Financial Crimes Compliance Program, including BSA/AML and Sanctions.
• Oversee AML investigations, sanctions screening, SAR/UAR decisioning, and case quality to ensure regulatory compliance and audit readiness.
• Drive the BSA/AML and Sanctions risk assessment process, ensuring risks are clearly identified, documented, and effectively mitigated.
• Oversee transaction monitoring rule development, tuning, testing, and optimization in partnership with Risk, Data, and Engineering.
• Maintain and enhance policies, procedures, and playbooks to align with evolving regulatory requirements and business changes.
• Act as an escalation point for complex investigations, potential sanctions matches, and high-risk matters.
• Lead compliance issue management, including intake, tracking, remediation, and reporting of findings from audits, monitoring, and regulatory exams.
• Develop clear, accountable remediation plans with defined timelines, measurable outcomes, and sustainable control improvements.
• Promote strong root cause analysis to prevent repeat findings and strengthen the overall control environment.
• Oversee regulatory change management, assessing new or updated laws and guidance (e.g., BSA, AMLA, OFAC, FinCEN) and driving timely implementation across policies, processes, and systems.
• Provide clear, regular updates to leadership and stakeholders on program health, remediation status, and emerging risks.
• Manage and develop a team of compliance professionals by setting clear expectations, providing actionable feedback, and supporting growth.
• Set and execute near-term strategic plans, monitor workload and performance, and ensure consistent, high-quality delivery.
• Foster a collaborative, accountable team culture and serve as a trusted cross-functional partner to promote a strong culture of compliance.

Requirements

• 6+ years of experience in Financial Crimes Compliance, BSA/AML, Sanctions, or related risk/compliance functions within fintech, banking, or financial services, with 1+ years of direct people management experience.
• Strong working knowledge of BSA/AML and Sanctions regulations (BSA, USA PATRIOT Act, AMLA, FinCEN, OFAC) and experience supporting audits, regulatory exams, and internal compliance testing.
• Experience leading regulatory change implementation and/or compliance issue remediation programs, including sustainable control enhancements.
• Demonstrated ability to manage team operations, set tactical priorities, and drive consistent, high-quality execution in a fast-paced environment.
• Strong decision-making and problem-solving skills, with the ability to assess risk, gather input, and act with appropriate urgency.
• Proven ability to provide clear, actionable feedback, address performance issues constructively, and develop team members.
• Track record of improving processes, identifying inefficiencies, and implementing scalable, data-driven solutions.
• Ability to build strong cross-functional partnerships and influence stakeholders without formal authority.
• Excellent analytical, organizational, written, and verbal communication skills, with the ability to clearly document complex investigations and regulatory analyses.
• High integrity, professionalism, and discretion in handling sensitive information.
• ACAMS, CFE, CRCM or similar certification are strongly preferred.
• Bachelor’s degree or equivalent professional experience required.

Benefits

• equity
• benefits