Anti-Money Laundering (AML) First Line of Defense Senior Staff Big Business Banking

21 hours, 24 minutes ago
Full-time
Senior
Finance and Accounting
SoFi

SoFi

SoFi specializes in providing a comprehensive financial platform that empowers individuals to achieve their financial goals through services such as student loan refinancing, debt consolidation, home buying assistance, and investment opportunities, all...

Capital Markets
1K-5K
Founded 2011
$2900M raised

Description

  • Execute the First Line AML control framework for designated businesses, including onboarding, periodic reviews, and event-driven reviews of complex and high-risk customers.
  • Support implementation of AML requirements for new products, services, and partnerships, embedding controls into product design and technology.
  • Draft and review AML relationship summaries and risk assessments used to gate onboarding and ongoing service decisions.
  • Ensure customer and transaction monitoring frameworks (including on-chain monitoring where applicable) align with documented risk profiles and expected activity.
  • Apply SoFi’s AML risk appetite in daily processes, identify prohibited/restricted customer types, and escalate exceptions when warranted.
  • Formulate and defend risk-based recommendations on onboarding, service expansion, enhanced monitoring, remediation, or exit decisions.
  • Assist First Line responses to internal audits, independent testing, risk assessments, and regulatory examinations; ensure documentation and control execution are defensible and exam-ready.
  • Act as an AML risk partner to Product, Engineering, Design, Operations, and Risk; translate regulatory expectations into technical and operational requirements for monitoring and data capture.
  • Support operation and optimization of AML technology platforms (including transaction and blockchain monitoring systems) and surface data-driven insights to leadership.
  • Monitor emerging AML, sanctions, and digital asset risk trends and help drive mitigation plans for identified risks.

Requirements

  • Bachelor’s degree in Business, Finance, Economics, or a related field.
  • 6–8 years of experience in AML, financial crime risk management, compliance, risk, strategy, or regulated financial services.
  • Demonstrated experience executing AML controls within a regulated financial institution.
  • Experience onboarding complex, high-risk business clients.
  • Strong understanding of BSA/AML regulatory expectations, including OCC exam standards.
  • Experience partnering with technical and product teams to implement risk and compliance requirements.
  • Ability to make independent, defensible risk recommendations in high-growth, evolving environments.
  • Highly analytical and detail-oriented, with the ability to clearly articulate risk narratives to senior leadership.
  • Exceptional written and verbal communication skills.
  • Nice to have: MBA or advanced degree; experience with Virtual Currency clients (VASPs, stablecoin issuers); CAMS or CFE certification preferred (or willingness to obtain within one year).

Benefits

  • Base pay range is disclosed for the role and final base offer will be determined based on experience, skills, and location.
  • Comprehensive and competitive employee benefits (see SoFi Benefits page).
  • Inclusive workplace with equal employment opportunities and consideration under the San Francisco Fair Chance Ordinance.
  • Reasonable accommodations for candidates with physical or mental disabilities to participate in the application and interview process.
  • Remote work is available but the company cannot accommodate remote work from Hawaii or Alaska due to insurance coverage limits.

Interested in this position?

Apply directly on the company website

Apply Now

Similar Roles

Head of Outsourcing

Deblock 11-50 Banks

Head of Outsourcing at Deblock responsible for building, implementing and operating the company’s outsourcing and ICT third‑party risk management framework to ensure regulatory compliance (including DORA) and scalable controls across the organisation.

21 hours, 54 minutes ago

FinCrime Specialist

Deblock 11-50 Banks

FinCrime Specialist at Deblock working within the regulated entity's Compliance team to strengthen the AML/CFT framework by managing Suspicious Activity Reporting, regulatory interactions with Tracfin, and escalation reviews.

21 hours, 54 minutes ago

Compliance and Audit Specialist

Curai Health 51-250 Health Care Providers & Services

Curai is hiring a remote Healthcare Compliance Analyst (Compliance and Audit Specialist) to support and advance the company's compliance program by ensuring adherence to federal, state, and local healthcare regulations across its virtual outpatient services, billing/coding, privacy, and patient-safety workflows.

HIPAA
22 hours, 24 minutes ago

Medicaid Audit and Compliance Specialist (Full-time, Remote)

IntegrityM 51-250 Professional Services

Medicaid Audit and Compliance Specialist at Integrity Management Services will conduct audits of Medicaid managed care plans and providers to detect and report fraud, waste, and abuse and to ensure regulatory and programmatic compliance.

23 hours, 24 minutes ago

You're on a roll! Sign up now to keep applying.

Sign Up

Already have an account? Log in

Used by 14,729+ remote workers