Compliance Program Manager

Key Responsibilities:

• Ongoing oversight of comprehensive KYC and KYB compliance programs across multiple fintech product verticals for both consumer and business customers (tax refund products, payments, bill pay, consumer/commercial lending, payroll, direct deposit account, cross-border activity, business credit cards) spanning several jurisdictions
• Collaborate with cross-functional partners to implement, refine, or enhance controls including those specific to PEP screening, Enhanced Due Diligence (EDD), and AML training.
• Preference for KYC compliance experience in US and international jurisdictions including Canada, Europe, and Australia
• Assist in designing, enhancing and maturing KYC and KYB controls and overseeing their execution
• Advise the business on KYC and KYB requirements for new product launches and post-launch enhancements
• Develop and implement risk-based approaches to meet customer due diligence (CDD) and enhanced due diligence (EDD) obligations for consumer and business customers
• Identify and document issues, conduct root cause analysis, and, as appropriate, drive to them to resolution
• Resolve audit findings and, partner cross-functionally, to ensure all operational processes related to KYC/KYB are aligned with compliance standards
• Support KYC/KYB specific regulatory exam and sponsor bank requests
• Partner cross-functionally in support of driving automation, leveraging artificial intelligence, and process efficiency across the KYC and KYB space
• Ensure timely delivery of KYC/KYB compliance objectives across different jurisdictions
• Be comfortable in a dynamic environment, operating through ambiguity and adaptable to evolving business priorities and changing the regulatory landscape

• Minimum of five (5) years of experience in an AML-related compliance role, or in a similar compliance function
• Minimum of three (4) years of direct experience overseeing KYC and KYB policies and program oversight including
• Minimum of two (3) years direct experience with Enhanced Due Diligence in support of meeting regulatory requirements and sponsor bank obligations
• Direct experience conducting Politically Exposed Person (PEP) screening including, data driven, process enhancement and management reporting
• Bachelor’s or advanced degree in a relevant field; or equivalent work experience.
• Knowledge of, and experience assessing, KYC and KYB verification vendors and tools
• Strong knowledge of relevant AML and BSA laws and regulations and related compliance requirements, along with in-house experience implementing and administering those requirements as they relate to product onboarding; MSB or fintech environment a plus
• Knowledge of and experience with AML laws within the United States, Canada, European Union, United Kingdom, and Australia
• Familiarity with fintech, banking or financial services, or a startup environment.
• Experience launching KYC/KYB programs, with a user first mindset, for new products
• Experience working directly with operational groups in relation to BSA/AML processes and workflows for money service businesses (MSBs) and Fin Tech’s
• Ability to work independently – self-starter, enthusiastic and highly motivated.
• Strong analytical and problem-solving skills with the ability to exercise sound and balanced judgment.
• Experience evaluating tools and solutions to innovatively solve complex challenges.
• Excellent communication, interpersonal and writing skills. Strong organizational skills and attention to detail.
• ACAMS Certified Anti-Money Laundering Specialist (CAMS), ACFE Certified Fraud Examiner (CFE), or International Compliance Association (ICA) certification in Financial Crime Prevention.
• Understanding of CIP and Ultimate Beneficial Ownership practices and systems
• Knowledge of Customer Risk Rating methodologies and approaches is preferred.
• Experience interpreting and analyzing data. Preferred experience working with querying and analytical tools and conducting data analysis (e.g., SQL, Python)

Pyramid Consulting, Inc. provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other…