Partner Banking Compliance Testing Lead

We are seeking an experienced compliance assurance leader to establish and oversee an independent monitoring and testing program supporting a growing bank-fintech partnership business.

This is a build-and-lead role for someone who can create a testing framework from the ground up while remaining hands-on with execution. The position will evaluate controls across multiple partner operating models, including programs where the bank performs customer due diligence and transaction monitoring directly and arrangements where certain compliance activities are performed by a fintech or other regulated partner.

The environment includes traditional banking and payment products as well as digital-asset and blockchain-enabled activity. The successful candidate will combine strong banking compliance testing experience with an understanding of sponsor banking, third-party oversight, BSA/AML, consumer protection, and emerging financial technologies.

• Build the monitoring and testing program. Design the methodology, testing procedures, documentation requirements, workpaper standards, quality review process, evidence expectations, and management reporting framework.
• Develop risk‑based coverage. Create and maintain the control inventory and testing universe, establish the annual testing schedule, and determine testing frequency and depth based on partner risk, enterprise risk assessments, and financial crime exposure.
• Evaluate partner compliance programs. Independently assess controls performed by fintech and other third‑party partners, including KYC/KYB, beneficial ownership, customer risk classification, transaction monitoring, escalation practices, and other activities on which the bank relies.
• Test financial crime controls. Review BSA/AML and sanctions processes, including onboarding, screening, monitoring scenarios and tuning, alert investigations, case management, SAR processes, OFAC controls, high‑risk geographies, and restricted customer or business categories.
• Assess sponsor banking structures. Test controls associated with managed account, FBO, omnibus, and similar program structures, including the effectiveness of bank and partner responsibilities under each model.
• Review account records and reconciliation. Evaluate reconciliation between partner‑level or virtual account records and bank systems, including recordkeeping necessary to support applicable deposit insurance treatment.
• Test digital‑asset activities. Assess controls involving stable coins, blockchain‑based payments, wallet and counter party screening, blockchain analytics, conversion activity, token issuance/redemption processes, Travel Rule information, unidentified incoming transfers, and continuous transaction processing.
• Evaluate consumer compliance. Test partner‑facing and end‑customer requirements involving UDAAP/UDAP, Regulation E, Regulation P, deposit insurance advertising and disclosure requirements, and bank approval of partner marketing. Coverage may expand to TILA, ECOA, FCRA, and related requirements as lending and card products develop.
• Review licensing and registration. Confirm that partner activities and operating structures are consistent with applicable state money transmission licenses, federal MSB registrations, virtual‑currency licensing, and similar regulatory requirements.
• Manage findings and remediation. Establish clear issue‑rating and documentation practices, identify root causes, assign accountability, monitor remediation, and independently validate corrective actions before closure.
• Use technology to broaden assurance coverage. Incorporate data analytics, data lineage/mapping, AI‑assisted tools, and full‑population testing where appropriate. Evaluate the reliability of automated or AI‑supported…