• Direct overall administration of the Bank Secrecy Act/Anti-Money Laundering, Office of Foreign Asset Control, USA PATRIOT Act, Fraud Management and Identity Theft Red Flags programs • Maintain proficient knowledge of rules and regulations • Assist with the preparation and submission of reports to the Board of Directors • Provide regulatory/fraud management advisory to executive management

• Managing Compliance responses for country/entity regulatory exams • Materials development for Board, governance committee, and regulatory stakeholders • Assisting with the management of U.S. regulatory relationships • New product approval review and approval • Serve as DRI for regulatory change management and associated control builds for U.S.-specific compliance needs

• Conduct thorough KYC reviews, including identity verification, risk assessment, and documentation analysis. • Utilize your understanding of regulatory requirements to guide clients in understanding compliance obligations. • Collaborate with cross-functional teams to implement robust KYC processes and documentation standards. • Monitor and stay updated on developments within KYC regulations and best practices. • Provide support and guidance during audits and regulatory examinations. • Communicate effectively with stakeholders, providing insights and recommendations regarding KYC procedures.

• Own the First Line AML control framework for designated businesses, including onboarding, periodic reviews, and event-driven reviews of complex and high-risk customers. • Define and own AML requirements for new products, services, and partnerships, ensuring controls are embedded into product design and technology from inception. • Serve as the primary author and approver of AML relationship summaries and risk assessments used to gate onboarding and ongoing service decisions. • Ensure customer and transaction monitoring frameworks align to documented risk profiles and expected activity. • Apply SoFi’s AML risk appetite in practice, including identifying prohibited or restricted customer types and escalating exceptions when warranted. • Make and defend risk-based decisions on customer onboarding, expansion of services, enhanced monitoring, remediation, or exit. • Proactively identify emerging risks and drive mitigation plans before they become audit, regulatory, or operational issues. • Lead First Line responses to internal audits, independent testing, risk assessments, and regulatory examinations, including ownership of issue remediation. • Ensure documentation, rationale, and control execution are consistent, defensible, and exam-ready. • Partner closely with AML Compliance (Second Line) to obtain concurrence on high-risk relationships and material changes. • Act as the AML subject matter expert and risk partner to Product, Engineering, Design, Operations, and Risk, ensuring AML controls scale with business growth. • Translate regulatory expectations into clear technical and operational requirements for monitoring, data capture, and controls. • Drive prioritization of AML initiatives and support leadership decision-making on tradeoffs between risk, customer experience, and business objectives. • Build and scale a high-performing AML First Line team Big Business Banking team, defining roles and operating standards to support complex, high-risk businesses and regulatory expectations. • Own key AML risk management technology relationships supporting First Line processes, including transaction and blockchain monitoring tools. • Stay ahead of emerging AML, sanctions, and digital asset risk trends, advising leadership on strategic implications. • Contribute to company-wide objectives by solving ambiguous, complex risk problems in creative and practical ways.