BSA Officer / Money Laundering Reporting Officer (MLRO)

About the role

We are seeking an experienced BSA Officer / MLRO to lead, manage, and execute our Anti‑Money Laundering (AML), Counter‑Financing of Terrorism (CFT), Office of Foreign Assets Control (OFAC), and Bank Secrecy Act (BSA) program. In this role you will serve as the primary operational authority protecting our platform against financial crime, ensuring strict compliance with FinCEN regulations, and acting as the direct liaison to our U.S. partners.

Key responsibilities

• Design, implement, and continuously update the company’s BSA/AML/OFAC policies, procedures, and risk assessments to align with FinCEN guidelines and sponsor‑bank requirements.
• Act as the primary point of contact for U.S. partners for all AML/BSA audits, compliance reporting, policy approvals, and regulatory reviews.
• Oversee automated transaction‑monitoring systems to detect suspicious patterns, investigate escalated alerts, and make independent determinations regarding SAR and CTR filings.
• Maintain robust Customer Identification Programs (CIP) and execute Enhanced Due Diligence on high‑risk accounts, PEPs, and complex corporate entities.
• Ensure real‑time screening against OFAC, PEP, and global watchlists.
• Manage responses to FinCEN 314(a)/314(b) information requests, law‑enforcement subpoenas, and regulatory inquiries.
• Prepare and present periodic updates on the BSA program, risk typologies, and alert metrics to the CEO and Board of Directors.
• Develop and deliver annual BSA/AML training for all personnel and executive management.

Required profile

• Legally authorized to work in and reside in the United States.
• Minimum 5+ years of direct BSA/AML compliance, financial‑crime prevention, or MLRO experience at a U.S. financial institution, sponsor bank, or fintech company.
• Deep operational knowledge of the Bank Secrecy Act, USA PATRIOT Act, FinCEN rules, OFAC sanctions, and FFIEC exam guidelines.

Required skills

• Experience with modern AML transaction‑monitoring software.
• Proficiency using sanctions‑screening engines.
• Familiarity with case‑management tools for financial‑crime investigations.