Compliance Officer – BSA/AML, MTL

SeedTrust Escrow

Compliance Officer overseeing compliance program for US Money Transmission Licenses in a legal partnership role. Collaborating with legal, finance, and product teams to maintain regulatory standing.

Posted 5/1/2026part-timeRemote • 🇺🇸 United StatesMid-LevelSeniorWebsite

About the role

Key responsibilities & impact

Manage MTL applications and active licenses through NMLS, including preparing filings, responding to regulator deficiency letters, completing MSB Call Reports, and tracking renewal deadlines and material change notifications.
Build and maintain relationships with state money transmitter regulators, serving as a day-to-day point of contact for regulatory communications.
Draft, implement, and update compliance policies and procedures in line with state money transmission laws, BSA, USA PATRIOT Act, and OFAC requirements.
Support the AML compliance program, including risk assessments, transaction monitoring oversight, and escalation of potential suspicious activity.
Coordinate internal preparations for regulatory examinations and bank partner reviews, including gathering documentation and assisting with remediation of findings.
Conduct periodic reviews and testing of compliance controls to assess effectiveness and identify gaps.
Monitor regulatory developments — including changes to state Money Transmitter Acts, FinCEN guidance, and OFAC requirements — and coordinate necessary updates to internal practices.
Partner with Legal, Finance, Product, and Operations to integrate compliance requirements into business processes and new product offerings.
Support employee compliance training and help reinforce a culture of compliance across the organization.

Requirements

What you’ll need

A minimum of 5 years of compliance experience in a money transmitter, bank, or highly regulated financial services environment (e.g., securities, mortgage), with direct involvement in AML/BSA programs.
Demonstrated, hands-on expertise with the Bank Secrecy Act, USA PATRIOT Act, FinCEN regulations, and OFAC sanctions programs.
Required to hold a Certified Anti-Money Laundering Specialist (CAMS) credential.
Working knowledge of state money transmitter licensing frameworks and hands-on experience with NMLS, including state-specific nuances (e.g., NYDFS, CA DFPI, Texas DOB).
Experience managing or participating in federal and state regulatory examinations conducted by FinCEN, state banking departments, or OFAC.
Strong written and verbal communication skills, with the ability to translate regulatory requirements into clear guidance for colleagues across product, engineering, and operations.

Benefits

Comp & perks

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Hard Skills & Tools

compliance experienceAML/BSA programsBank Secrecy ActUSA PATRIOT ActFinCEN regulationsOFAC sanctions programsstate money transmitter licensing frameworksNMLSregulatory examinationscompliance controls

Soft Skills

written communicationverbal communicationrelationship buildingcollaborationtrainingproblem-solvingorganizational skillsattention to detailanalytical skillscultural compliance reinforcement

Certifications

Certified Anti-Money Laundering Specialist (CAMS)