Fintech BSA Program Manager

Fintech BSA Program Manager – Stearns Bank N.A.

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Base pay range: $90,000.00/yr - $/yr

We’re a national bank helping people, entrepreneurs, small businesses, and communities reach their full financial potential. This role is part of our Connected Mobile Work Environment. The Fintech BSA Program Manager supports oversight of financial crimes compliance for transactions conducted through Stearns Bank’s direct and BaaS-partnered fintech engagements.

• Employee Stock Ownership Plan & 401k Plan
• Healthcare (Medical, Dental, Vision, Telehealth, Life insurance)
• 12-week Paid Medical Leave
• Paid Parental Leave: 21-weeks Primary Care Parent, 14-weeks Secondary Care Parent
• $5,000 Family Care Reimbursement (Childcare, Elder Care, Student Loan Debt, Pet expenses, down payment assistance)
• PTO from 13 to 23 days depending on tenure. Cashout and Carryover options.
• 10 Days Sick Time
• 11 Paid Holidays
• 2 Days Self Allowance Time
• Tuition Assistance

The Fintech BSA Program Manager has a decisive impact on positioning Stearns Bank’s fintech program for sustainable growth while maintaining meticulous compliance with the Bank Secrecy Act, USA PATRIOT Act, OFAC regulations, and related anti-money laundering requirements. The role provides strategic thought leadership and drives hands‑on compliance activities.

• Lead the development, implementation, and ongoing optimization of BSA/AML transaction monitoring scenarios tailored for fintech partner programs, including tuning thresholds and reducing false positives.
• Serve as final reviewer on complex SAR investigations and ensure timely, accurate filing of SARs and CTRs in accordance with FinCEN requirements.
• Conduct comprehensive BSA/AML risk assessments for new and existing fintech partners, identifying inherent risks and evaluating control effectiveness.
• Build and maintain the financial crimes component of the Bank’s third‑party risk management framework for fintech partnerships.
• Oversee CIP/KYC procedures for customers onboarded through fintech partners, ensuring compliance with regulatory requirements and Bank policies.
• Lead OFAC screening processes and sanctions compliance activities across all fintech partner channels.
• Coordinate BSA examination activities with OCC examiners, including preparation of examination materials, response drafting, and corrective action implementation.
• Provide strategic guidance to fintech partners on BSA/AML program requirements, control expectations, and remediation activities.
• Develop and deliver BSA/AML training programs for internal staff and fintech partner personnel.
• Monitor regulatory developments and industry trends to proactively enhance the Bank’s BSA/AML program.
• Prepare Board and senior management reporting on BSA/AML program performance, emerging risks, and key metrics.
• Maintain a solid understanding of all legal and regulatory compliance issues as they pertain to this position.

• Occasionally lift and/or move up to 10 lbs.
• Literacy in English.
• Ability to sit for extended periods of time, twist, bend, sit, walk, use hands to twist, handle or feel objects, tools, or controls, such as computer mouse, computer keyboard, calculator, stapler, telephone, staple puller, etc., reach with hands and arms, balance, stoop, kneel, talk, or hear.
• Specific vision abilities required by the job include close vision, distance vision, peripheral vision, depth perception and the ability to adjust focus.

• Bachelor’s degree (B.A.) from a four‑year college or university; or three to five years related experience and/or training; or equivalent combination of education and experience.
• Minimum 7 years of progressive BSA/AML compliance experience in banking or financial services.
• At least 3 years of experience specifically with fintech partnerships, BaaS programs, or digital banking platforms.
• Demonstrated experience with OCC, FDIC, or Federal Reserve regulatory examinations.
• Experience developing and implementing transaction monitoring programs.
• Track record of managing complex SAR investigations from detection through filing.
• Proficiency with transaction…