Head of Financial Crimes and Fraud

The Head of Financial Crimes and Fraud leads the bank's comprehensive Financial Crimes Risk Management program, including oversight of the Bank Secrecy Act (BSA)/Anti-Money Laundering (AML) function, second-line fraud prevention, and Quality Assurance (QA).

This high-impact leadership role requires a balance of strategic oversight, regulatory expertise, and cross-functional collaboration ensuring the bank complies with all applicable laws and leading a high-performing team

.
While the BSA/AML Officer reports to this position administratively, the BSA/AML Officer retains the authority, independence, and direct access to the Board of Directors, CEO, and Chief Risk Officer required by federal regulations to effectively discharge their BSA/AML compliance responsibilitie

s.
This position ensures the Bank maintains a coordinated, integrated and effective risk management framework and meets all regulatory obligations related to fraud prevention and financial crimes complia

• sight
  
  Lead and manage three second line functions providing independent oversight and challenge to first line fraud prevention and financial crimes con
• trols
  
  Develop and execute comprehensive risk-based strategies for fraud oversight and financial crimes compliance aligned with the bank's risk appetite and regulatory require
• ments
  
  Assess the design and operating effectiveness of first line controls across all business lines, channels, and product offe
• rings
  
  Challenge first line risk-taking activities and elevate concerns regarding control deficiencies, emerging risks, or risk appetite bre
• aches
  
  Establish and monitor key performance and risk indicators, metrics, and reporting frameworks to provide enterprise-wide visibility into fraud and financial crimes

• Function Lead the independent quality assurance function that performs risk-based quality assurance of both BSA/AML and fraud f
• unctions
  
  Develop annual risk-based QA testing plans covering transaction monitoring alert/case disposition, SARs, CTRs, fraud case ma
• nagement
  
  Ensure QA findings are appropriately documented, rated, and tracked through rem
• ediation
  
  Validate that corrective actions address root causes and prevent re
• currence
  
  Ensure QA activities support, rather than impede, the BSA/AML Officer's independence and a

• minations
  
  Maintain current knowledge of evolving BSA/AML regulations, fraud-related guidance, and regulatory expectations from FinCEN, OCC, FDIC, Federal Reserve, and other applicable
• agencies
  
  Serve as senior liaison with regulators during examinations related to fraud and financial crimes, coordinating responses and managing examination logistics in partnership with the BSA/AM
• L Officer Oversee timely and accurate regulatory reporting and filings through the BSA/AM
• lterance
  
  Ensure the BSA/AML program maintains effective controls for customer due diligence, suspicious activity monitoring and reporting, currency transaction reporting, and OFAC sanctions scr
• eening
  
  Oversee the development and annual refresh of the Bank's BSA/AML risk asse
• ssment
  
  Provide senior-level review and strategic guidance on complex or escalated Suspicious Activity Reports while respecting the BSA/AML Officer's ultimate filing aut
• hority
  
  Ensure the BSA/AML program adapts to evolving regulatory expectations, emerging typologies, and changes in the bank's risk p
• rofile
  
  Manage relationships with transaction monitoring system vendors and oversee system optimization and
• agement
  
  Oversee the second line fraud risk management function, providing independent assessment of fraud prevention, detection, and response capabilities across the ent
• erprise
  
  Evaluate the effectiveness of fraud controls spanning wire, ACH, card, check, digital banking, and emerging payment c
• hannels
  
  Monitor fraud loss trends, velocity, and patterns; challenge first line on control enhancements and risk mitigation str
• ategies
  
  Assess fraud risk in new products, services, channels, and partnerships before impleme
• ntation
  
  Oversee the Bank's fraud risk appetite framework and elevate breaches or concerning
• trends

• Reporting Chair or participate in governance committees related to fraud risk and financ
• ial crimes
  
  Provide regular risk reporting to the Chief Risk Officer, executive leadership, and Board Risk Committee on fraud and financial crimes exposure, trends, and program eff
• ectiveness
  
  Facilitate the BSA/AML Officer's direct reporting to the Board of Directors (or designated Board…