Money Laundering Reporting Officer (MLRO) / BSA Officer

Responsibilities

• Program Governance & Strategy: Design, implement, and continuously update the
  company’s BSA/AML/OFAC policies, procedures, and risk assessments to align with
  FinCEN guidelines and sponsor bank requirements.
• Partner Bank Oversight: Act as the primary point of contact for our U.S. partners for all
  AML/BSA audits, compliance reporting, policy approvals, and regulatory reviews.
• Transaction Monitoring & SAR Filings: Oversee automated transaction monitoring
  systems to detect suspicious patterns, investigate escalated alerts, and make
  independent determinations regarding Suspicious Activity Report (SAR) and Currency Transaction Report (CTR) filings.
• KYC / CIP & Enhanced Due Diligence (EDD): Maintain robust Customer Identification Programs (CIP) and execute EDD on high-risk accounts, Politically Exposed Persons (PEPs), and complex corporate entities.
• Sanctions & Watchlist Screening: Ensure real-time, ongoing screening against OFAC, PEP, and global watchlists.
• Regulatory Reporting & Requests: Manage responses to FinCEN 314(a)/314(b)
  information requests, law enforcement subpoenas, and regulatory inquiries.
• Reporting to the Board: Prepare and present periodic updates on the state of the BSA program, risk typologies, and alert metrics directly to the CEO and Board of Directors.
• Training & Culture: Develop and deliver annual BSA/AML training tailored to all
  personnel, executive management, and relevant operational teams.

Qualifications & Skills

• US Location (Mandatory): Must be legally authorized to work in and physically reside in the United States.
• Experience: Minimum 5+ years of direct BSA/AML compliance, financial crime
  prevention, or MLRO experience at a U.S. financial institution, sponsor bank, or fintech company.
• Regulatory Expertise: Deep operational knowledge of the Bank Secrecy Act, USA PATRIOT Act, FinCEN rules, OFAC sanctions, and FFIEC exam guidelines.
• Technical Proficiency: Experience configuring and working with modern AML
  transaction monitoring software, sanctions engines, and case management tools.