Role Description The AVP/BSA Program Manager is responsible for the execution and ongoing administration of the Bank’s BSA/AML/OFAC compliance program. This role leads the BSA team, ensures adherence to regulatory requirements, and supports risk management through effective monitoring, reporting, and program oversight. Your Primary Responsibilities Include: - Oversee day-to-day BSA/AML/OFAC operations, including workload allocation, SLA adherence, regulatory timelines, and team performance. - Manage transaction monitoring, alert review, SAR and CTR filings, OFAC/sanctions screening, IRS reporting, and 314(a)/(b) processes, ensuring accuracy, timeliness, and escalation of potential risks. - Conduct QA/QC reviews of BSA work products, maintain integrity of BSA systems and data sources, and partner with IT/data teams to resolve issues. - Lead and support BSA/AML/OFAC risk assessments, risk and control self-assessments (RCSA), and development of controls to mitigate identified and emerging risks. - Serve as liaison for regulatory exams, internal audit, and DFS 504 certification; coordinate responses to findings and ensure timely remediation. - Develop and update BSA/AML/OFAC policies, procedures, and training programs to ensure ongoing regulatory compliance and team readiness. - Support execution of the BSA/AML program, including system implementations, vendor management, risk scoring methodologies, and third-party due diligence. - Manage BSA-related projects, including system enhancements, product/service launches, onboarding initiatives, UAT/test plan development, and pilot execution. - Create and deliver metrics, dashboards, and reporting for leadership, governance forums, and the Board; identify trends, risks, and performance gaps. - Maintain deep knowledge of BSA/AML/OFAC regulations and emerging risks; provide guidance, interpretation, and recommendations to leadership. - Serve as a key liaison across Compliance, Risk, IT, and business partners to support program execution and continuous improvement. - Perform special projects, and additional duties and responsibilities as required. Qualifications - Bachelor's degree (or equivalent) or similar; OR associate degree and two (2) years of experience in functional area; OR high school diploma (or equivalent) plus four (4) years of experience in functional area. - Additional five (5) years+ of progressive experience in functional area. Requirements - CAMS Certification preferred, or willingness to obtain the certification. - Extensive knowledge of BSA and AML laws and regulations, including the Bank Secrecy Act, the USA PATRIOT Act and OFAC requirements. - Residential mortgage banking experience. - Knowledge of enhanced due diligence & high-risk customer management, financial fraud and applicable state and federal laws, payments, MSBs, correspondent banking and complex customer types and product offerings. - Knowledge of automated transaction monitoring and high-risk customer modeling systems, watchlist screening systems/protocols including fuzzy logic and model tuning methodology/protocol. - Ability to multi-task, inclusive of ability to plan, organize and prioritize workloads. - Ability to work independently and as part of a team and work on own initiative, strong interpersonal and relationship building skills. - Proficient in Microsoft Excel, Microsoft Word, Project Management tools, Transaction Monitoring and Screening solutions. Benefits - Health, Dental, Vision, & Life Insurance - Financial Wellness Planning & Coaching - Counseling Support Services & Resources - Paid Parental Leave - Pet Insurance - 401K Match - Employee Bank Accounts with Quontic - Generous Paid Time Off Company Description Quontic Bank is a CDFI federally chartered digital community bank. We have a customer-centric culture built around helping our customers and giving back to local communities. We're making homeownership simpler, faster, and most importantly, more accessible for all communities across the United States.

• Partner with organization leaders to build out strategic roadmaps for scoped programs: the Community Forum, Knowledge Base, and New Relic Platform Help Experience. • Independently lead large-scale, ambiguous projects from planning to implementation, proactively identifying dependencies and the cascading impact of scope or schedule risks. • Build and maintain each project’s artifacts and business documentation - such as but not limited to - problem definitions, business requirements, project plans, decision logs, communications plans (including field or launch announcements), and retrospectives. • Create programmatic operational cadences and maintain a prioritized list of projects and enhancements for each functional area. • Work with Engineering Managers to prioritize engineering backlogs within Jira, define project technical requirements, and oversee development progress. • Provide guidance and delegate project-specific tasks to the team's Business Systems Analysts (BSAs). • Track program performance metrics via Google Analytics, Tableau, and Salesforce dashboards and own quarterly business review (QBR) preparation. • Design, standardize, and monitor data-driven customer feedback loops across multiple programs. • Continuously improves existing processes and introduce new frameworks to break down cross-functional barriers.

• Manage risk functions for humanitarian response programming in Cuba. • Collaborate with audit, risk and compliance leads in HQ and the regional level and program leadership on implementing and strengthening internal control systems and continuous process performance improvement. • Anticipate and identify risk issues and challenges and the most appropriate solutions to address them. • Support implementation of sub-recipient financial management policy (SRFMP). • Plan and perform internal audits, control reviews and compliance assessments. Analyze results and provide recommendations. • Design and facilitate relevant risk training sessions and contribute to relevant components of institutional capacity strengthening plans for CRS and partners. • Serve as liaison and support for external audits. Coordinate action plans to close audit findings.

• Identify and evaluate new program opportunities, leading due diligence analysis across underwriting, insurance product, legal, and insurance operations. • Support program structure recommendations, including coverage architecture, underwriting guidelines, and rating frameworks aligned to Counterpart's target classes of business. • Draft Program Assessment Template documents with a clear understanding of program requirements, participation, and production requirements, with annual projected forecasts. • Act as the primary point of contact for managing program relationship continuity from inception through consistent production results. • Negotiate, execute, and maintain Program Management Agreements; ensure all contractual requirements, service standards, and authority parameters are met on an ongoing basis. • Conduct regular performance audits and portfolio analyses, measuring results against KPIs established at program inception and surfacing underwriting strategy recommendations to Insurance Product. • Work cross-functionally with the insurance product team on renewal terms and processes for new and existing program opportunities. • Identify and drive process improvements that increase efficiency and scalability across program operations. • Participate in partner visits and facilitate ongoing communication between agency partners and Counterpart's service team to resolve policy, billing, and underwriting matters. • Prepare and present materials for stewardship reviews, board meetings, and business updates; coordinate meeting logistics, agendas, and follow-through. • Attend national trade conferences and industry events as a senior representative of Counterpart's programs business, building relationships and advancing brand presence. • Review legislative and market developments affecting program structures; proactively recommend coverage enhancements and flag compliance implications. • Leverage AI-powered tools, including Counterpart's internal, to improve program analysis, client reporting, and operational workflow efficiency. • Bring an experimentation mindset to how technology can accelerate program prospecting, performance monitoring, and client communication.