Financial Crime

• Responsible for supporting the day-to-day operation of the AML Governance function through governance coordination, executive reporting, issue management, change management, and governance operations
• Coordinate governance routines, operating rhythms, committee activities, and management forums
• Produce and maintain AML program reporting, dashboards, and governance metrics
• Facilitate governance-related communications and stakeholder engagement
• Support intake, tracking, and governance of AML escalations
• Provide day-to-day operational support for AML issue management

AVP, AML Governance Manager

• This position is an individual contributor role residing within the Bank’s Second Line of Defense Risk Management and Compliance organization.
• Specifically, this position supports the Model Risk Management (“MRM”) program at the Bank.
• The overall MRM program is designed to provide governance and control around impactful institutional models per the Bank’s Model Risk Management Policy and Standards, and in adherence to applicable Regulatory Guidance.
• The individual in this position works with Model Owners and Developers to validate models related to the Bank's Compliance and Financial Crimes groups, which can include Anti-Money Laundering (AML), Cybersecurity, Economic Sanctions/OFAC, and Fair Lending.
• The Analyst may also interface with key stakeholders, regulators, and internal auditors to discuss the justification and reasoning behind various validation and review outcomes.
• During validation, the Analyst will independently challenge the model’s conceptual framework and methodology, data integrity and usage, implementation framework, process/governance, ongoing performance, etc.
• The Analyst will generate reporting to document and present observations made to model owners and developers for consideration, with any material concerns or weaknesses identified.
• Any items that require corrective actions to be taken by the model risk owners with then be tracked by the Analyst to remediation.

Senior Model Validation Analyst – Compliance, Financial Crimes, AML, Sanctions, Fair Lending

• Research and review possible suspicious activity reported by bank staff.
• Process, solve and answer some client transactions, problems, and inquiries
• Be responsible for working daily, weekly, and monthly alerts generated by Lead Banks BSA software
• Complete Suspicious Activity Reports (SARs) to ensure they are properly documented with related narrative and thorough case documentation, including but not limited to, customer statements, due diligence documents, transaction images
• Assist in the filing of Currency Transaction Reports (CTRs) as needed
• Assist in training of BSA Specialist as requested
• Maintains proficient knowledge of applicable compliance statutes, regulations and interpretations, including but not limited to, the Bank Secrecy Act, USA PATRIOT Act and OFAC
• Perform other duties as assigned

Financial Crimes Analyst I

• Advise on payments products and infrastructure. You’ll support a broad portfolio of payments-related initiatives across Mercury.
• Partner across the company. This role sits at the intersection of Product, Compliance, Risk, Engineering, Operations, Partnerships, and Legal.
• Help launch new capabilities. Mercury is continuing to expand its product offerings while building a nationally chartered bank.
• Support financial crimes initiatives. You’ll work closely with Mercury’s AML Advisory, Sanctions, Compliance, and Risk teams.
• Build scalable guidance. The best legal advice solves more than the question in front of you.
• Use AI intentionally. Bring a working knowledge of AI tools in legal workflows and a genuine interest in finding new ways to drive efficiency.
• Stay curious and adaptable. The regulatory and product landscape continues to evolve quickly.

Counsel, Product & Regulatory – Payments & AML

• Own the AML/BSA program — drafting and maintaining policies that actually govern how the business operates, not just documents that live in a folder.
• Develop risk assessments for BSA/AML and OFAC/Sanctions, keep policies current as programs and regulations evolve, and make sure the right teams know when things change.
• Run the monthly compliance reporting cycle, serve as the primary compliance contact across all partners, lead partner meetings, and stay ahead of issues before they become escalations.
• Maintain a clear tracker of obligations and open items across every relationship.
• Work closely with KYC/TM Ops, Product, and Engineering — not just to support their work, but to improve the systems and processes underneath it.
• Be a core contributor to compliance buildout for Nova and other products.

Head of AML

• Develop, audit, and monitor compliance of BSA/ AML requirements for financial institutions of all sizes
• Execute across all phases of an audit, including planning, conducting process walkthroughs, developing/executing test procedures, tracking artifacts and reporting on deliverables
• Submit written or oral reports of audit results to senior management and audit committees including findings, analysis, conclusions and recommended actions
• Build and manage relationships with Business Lines across all three lines of defense

Senior Consultant – AML Financial Crime Audit & Testing

• Managing multiple teams and workstreams and providing performance feedback to all members of those teams
• Developing relationships with a variety of clients
• Anticipating and addressing client concerns and resolving problems as they arise
• Promoting new ideas and business solutions that result in extended services to existing clients
• Serving as a career coach and mentor for new staff

Financial Crime Audit & Testing Manager

• Serve as the subject matter expert on compliance and fraud related topics for the Bank’s ISO Sponsorship/Merchants Services, Payments, and Commercial Banking businesses.
• Responsible for researching, analyzing, developing, and monitoring new and existing operational procedures, ensuring compliance with key regulations, including the USA Patriot Act, Bank Secrecy Act (BSA), Anti Money Laundering (AML), Countering the Financing of Terrorism (CFT), and Office of Foreign Assets Control Regulations (OFAC).
• Identify, develop, and implement methods of maintaining compliance, and recommend changes to existing and proposed programs based upon analysis of changing state and federal laws and regulations.
• Contributes to process improvement by identifying inefficiencies and offering solutions within workflows.
• Drives team performance by setting clear goals, monitoring results, and implementing strategies to exceed targets.
• Supervises, coaches, and develops staff including conducting performance evaluations, taking corrective action and providing ongoing feedback and mentorship.
• Collaborates with senior leadership and cross-functional teams to support company initiatives and strategic objectives.
• Ensures compliance with all anti-money laundering regulations, including, but not limited to the USA Patriot Act, AML, CFT, KYC, and OFAC for the Bank’s ISO Merchant Services Program, as well as the Bank’s own internal ISO Payments Program.
• Researches, analyzes, develops, and monitors new and existing operational procedures, ensuring compliance with key regulations.
• Manages the daily/monthly/quarterly examinations of AML and Fraud procedures ensuring timely identification and effective management of all suspicious and fraudulent activities.
• Engages with regulatory authorities to support the Bank’s AML program governance and compliance.
• Maintains continual awareness and tracking of relevant regulatory developments and industry best practices in the areas of AML, CFT, and OFAC.

Director of AML/CFT

• Conduct detailed periodic reviews in Circle’s KYC Team
• Review higher risk client relationships for due diligence
• Ensure customer's nature of business aligns with their profiles
• Collaborate with Customer Service team and Relationship Managers
• Monitor industry trends related to money laundering or fraud schemes

Senior Analyst, AML Know Your Customer

• Design and build distributed backend services that orchestrate real-time screening across multiple risk domains, integrating internal Ripple systems with external compliance data providers
• Architect for resilience to keep payments flowing even when upstream dependencies degrade
• Build the decision and data plane that powers compliance operations: alerting, audit trails, case management workflows, investigator tooling
• Own production: define observability, alerting, and incident response
• Partner with Compliance, Global Investigations, and Product to translate evolving regulatory requirements into durable engineering primitives
• Mentor engineers across the team and contribute to architectural direction as the platform scales across Ripple's product line

Senior Software Engineer, Financial Crimes

• Oversee the day to day operational AML/KYC lifecycle, including investor onboarding, ongoing monitoring, sanctions screening, and beneficial ownership identification.
• Actively work the daily queue alongside the Compliance Associates while monitoring workflow distribution to ensure onboarding deadlines and operational targets are met.
• Review and approve Associate-level determinations on sanctions screening, complex UBO analysis, and Enhanced Due Diligence (EDD) cases, serving as the primary quality gate before escalation to the AML Manager.
• Investigate high complexity investor profiles and complex structures, including corporates, trusts, foundations, and high risk individuals such as Politically Exposed Persons (PEPs).
• Review and validate AML reliance letters during the onboarding process to ensure third-party compliance meets required regulatory standards.
• Identify recurring quality trends or knowledge gaps during daily casework reviews, feeding these insights back to the AML Manager to help shape future team training and workshops.
• Drive the operational execution of ongoing remediation projects, KYC refresh exercises, AML reliance letter testing etc, while managing timelines and tracking data integrity metrics to ensure efficient file cleanups.
• Review, validate, and sign off on investor FATCA and CRS (AEOI) operational workflows and documentation.
• Serve as the primary BAU support and initial operational escalation point for compliance queries across both the Fund Administration and GPX business lines
• Support the AML Manager with broader process optimizations, system platform migrations, and new fund launches as needed.
• Assist in preparing ongoing, ad hoc operational metrics and report generation for senior leadership.
• Maintain audit ready file standards across the entire team, assisting with the resolution of internal or external audit findings.

Assistant Manager, Fund Administration – AML

• Demonstrate sound judgment and an ability to navigate non-binary, high-risk decisions.
• Adhere closely to process while still constantly questioning assumptions, suggesting improvements, and balancing user experience with compliance requirements.
• Effectively and clearly communicate with other Stripes, Stripe's users, and Stripe's financial partners.
• Identify and assess financial crime risks, conduct reviews using data analysis, and monitor for suspicious activity and trends.
• Facilitate the re-design of business processes including clarifying, identifying issues, and facilitating changes to attain the highest levels of efficiency, control, and compliance.
• Help build and scale processes across the financial crimes operations eco-system.
• Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements to mitigate emerging risks through a collaborative approach with stakeholders.

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