Sr Director, Financial Crimes Compliance

Cornerstone Capital Bancorp, Inc. is a Texas‑based financial services company dedicated to helping families, businesses, and communities thrive.

The Senior Director of Financial Crimes Compliance provides enterprise‑wide leadership for all financial crimes prevention, detection, and regulatory compliance functions across the bank. This role serves as the institution's senior subject matter expert on BSA, AML, OFAC/Sanctions, agency/investor guidelines, fraud risk, and related regulatory requirements, with specialized operational depth across the bank's mortgage, retail lending, commercial, and insurance lines of business.

• Provide strategic direction and day‑to‑day oversight of the Bank's BSA/AML compliance program, including SAR filing, CTR processing, and CDD/EDD requirements.
• Direct the annual BSA/AML risk assessment process, ensuring adequate coverage of all bank activities.
• Maintain and evolve BSA/AML policies, procedures, and controls in alignment with FinCEN guidance, FFIEC BSA/AML Examination Manual, and applicable state law.
• Oversee the Bank's transaction monitoring program, including system configuration, alert tuning, and escalation workflows.
• Ensure timely, complete, and accurate regulatory reporting to FinCEN, including the management of lookback reviews or remediation as needed.

• Lead the Bank's OFAC/sanctions screening program, ensuring controls are appropriately applied to mortgage loan origination, commercial credit underwriting, ACH, wire, and other payment channels.
• Oversee the fraud risk intelligence function, coordinating with Operations, Retail Banking, and Commercial Banking on emerging fraud typologies relevant to lending and deposit products.
• Maintain working knowledge of elder financial exploitation, mortgage fraud, business email compromise, and synthetic identity fraud as they intersect with the Bank’s product mix.
• Serve as the primary compliance partner for the Mortgage and Consumer Lending business line, ensuring financial crimes controls are embedded in the origination lifecycle — from application through servicing.
• Advise Commercial Banking leadership on BSA/AML and OFAC requirements specific to commercial real estate, construction lending, C&I credit, and treasury management relationships.
• Assess and advise on third‑party originator, broker, and correspondent lending relationships from a financial crimes risk perspective.
• Collaborate with the Mortgage Operations team on HMDA, RESPA, and TILA intersections with financial crimes compliance obligations.
• Oversee investigations regarding agency/investor requirements.

• Act as primary point of contact for BSA/AML and financial crimes‑related internal audits and examinations conducted by the federal and state banking regulators, or FinCEN.
• Manage regulatory findings and corrective action plans to timely resolution.
• Coordinate with Internal Audit on annual BSA/AML audits and independent testing; respond to and remediate audit findings.
• Prepare executive‑level and Board‑level reporting on financial crimes program health, emerging risks, and regulatory developments.
• Lead, mentor, and develop a high‑performing financial crimes team across BSA/AML operations, OFAC, fraud, and business line‑embedded compliance roles.
• Define team structure, staffing levels, and competency requirements in alignment with program complexity and regulatory expectations.
• Foster a culture of compliance awareness, ethical conduct, and continuous improvement across the division and business lines.
• Drive staff training and certification initiatives, including CAMS, CFE, and related professional development.
• Oversee the evaluation, implementation, and ongoing optimization of financial crimes technology platforms (transaction monitoring, case management, sanctions screening).
• Champion data‑driven compliance by leveraging analytics to identify trends, improve alert quality, and reduce false‑positive rates.
• Partner with Information Technology on system integrations, data governance, and the Bank's digital banking compliance obligations.