Senior AML​/CFT Compliance Officer – Financial Crimes Risk Coverage Assessment; Remote

This is a remote role that may be hired in several markets across the United States.

The Senior AML/CFT Compliance Officer leads enterprise-wide financial crimes risk coverage assessments to evaluate whether effective measures, monitoring activities, processes, and risk mitigation practices are in place across products, services, customers, channels, and business activities. This role partners with stakeholders across the First and Second Lines of Defense to assess the effectiveness of preventive, detective, and monitoring measures; identify gaps and emerging risks;

and provide recommendations to strengthen the organization's ability to detect, mitigate, and manage financial crime risk.

• Lead risk-based assessments to evaluate the effectiveness of financial crimes controls, monitoring activities, and risk mitigation measures across products, services, customers, and channels.
• Assess preventive, detective, and monitoring controls across the First and Second Lines of Defense to ensure adequate coverage of financial crimes risks.
• Proactively identify evolving threats and recommend enhancements to monitoring frameworks, controls, models, and detection capabilities.
• Partner with business units and control partners to understand products, processes, and customer activities and evaluate the effectiveness of associated coverage.
• Collaborate with business, operations, Model, and FIU teams to verify monitoring scenarios and controls effectively detect known and emerging financial crime risks.
• Identify gaps, residual risks, and opportunities to strengthen the financial crimes control environment.
• Monitor emerging risks, financial crime typologies, regulatory developments, and industry trends to assess impacts on risk coverage and detection strategies.
• Provide subject matter expertise and risk guidance in New Product and Services governance forums, ensuring financial crime risks and control requirements are appropriately considered during product development and implementation.
• Participate in and, as appropriate, lead Monitoring Oversight Group meetings and related governance forums where monitoring enhancements, model changes, and coverage assessments are reviewed with senior leadership.
• Facilitate cross-functional collaboration among Compliance, FIU, Data Analytics, Model teams, and other business stakeholders to advance monitoring effectiveness, efficiency, and innovation.
• Support and help manage regulatory examinations, internal audits, and independent testing reviews, including coordinating responses, providing documentation, and addressing findings and remediation activities.
• Prepare and present assessment results, emerging risks, key themes, and recommendations to senior management and governance committees.

• Leadership
• AML/CFT regulatory knowledge
• Investigative techniques and Enhanced Due Diligence
• Data analysis and interpretation
• Quality assurance methodologies
• Risk assessment and mitigation
• Financial crime risk awareness
• Reporting and documentation
• Compliance program management
• Training and development
• Stakeholder management and communication

BSA/AML Compliance Expertise

Financial Crimes Risk Management

Monitoring Coverage Assessment

Risk and Control Evaluation

Transaction Monitoring Systems

Regulatory Compliance

Gap Analysis and Remediation

Executive Communication

Strategic Thinking

Cross-Functional Leadership

Minimum Required

Education and Experience:

Bachelor's Degree and 6 years' experience OR High School Diploma or GED/Equivalent and 10 years' experience in Experience in AML/CFT compliance, investigations, or related field; CAMS certification strongly preferred;
Deep understanding of BSA/AML regulations, OFAC,…