Role Description
As the Deputy BSA/AML Officer for the USA, you will be a key leader in our 2nd Line of Defense, partnering directly with the US BSA Officer to scale, manage, and safeguard our US financial crimes compliance program. In a fast-paced, hyper-growth fintech environment, you will have significant ownership over program governance, transaction monitoring operations, state regulatory relationships, and banking partner due diligence.
You are a pragmatic leader who understands how to balance strict regulatory adherence with operational efficiency and customer-centric outcomes. When the BSA Officer is away, you will step up and deputize for all US regulatory and operational matters.
Qualifications
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Several years of experience in financial services compliance, specifically within FinTech, Peer-to-Peer (P2P) payments, digital banking, or MSBs (Money Services Businesses).
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Strong operational knowledge of AML/CFT regulations, KYC/KYB practices, transaction monitoring, and OFAC/Sanctions filtering.
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Exceptional analytical and problem-solving skills with the ability to identify subtle patterns of risk or non-compliance within complex data sets.
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Excellent written and verbal communication skills, with a proven ability to deliver objective, objective-driven feedback to diverse, cross-functional teams.
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Proficient with specialised AML monitoring systems, case management tools.
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CAMS (Certified Anti-Money Laundering Specialist) or CRCM (Certified Regulatory Compliance Manager) designations are highly regarded.
Requirements
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Act as the primary delegate for the US BSA Officer on all matters relating to FinCEN, state regulators, and banking partners.
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Maintain and continuously enhance US-specific AML, BSA, and OFAC/Sanctions policies to ensure they stay robust against evolving financial crime typologies and regulatory updates.
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Lead the execution of the annual US BSA/AML and OFAC risk assessment process, providing data-driven insights and control recommendations to senior leadership.
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Provide strategic oversight for transaction monitoring, complex case investigations, Enhanced Due Diligence (EDD) for high-risk corridors, and the quality assurance (QA) framework for Suspicious Activity Reports (SARs).
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Ensure the timely, accurate, and secure electronic filing of SARs and CTRs with FinCEN, as well as necessary OFAC reporting.
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Partner with the Product, Engineering, and Data Analytics teams to design, test, and implement automated controls, risk-scoring matrices, and rules for transaction monitoring systems.
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Lead preparations for and coordinate responses to state Money Transmitter License (MTL) examinations, federal audits, and third-party independent reviews.
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Own the responses to ongoing banking partner due diligence requests from our US clearing and payout banking partners, showcasing Zepz's strong compliance framework to maintain healthy banking relationships.
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Track and drive the remediation of audit findings, internal control gaps, and regulatory issues to prompt closure.
Benefits
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Unlimited annual leave.
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Great healthcare benefits.
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Employee discounts.
