EarnIn - Manager, Financial Crimes & Enterprise Risk Management
Requirements
• 6+ years of experience in Financial Crimes Compliance, BSA/AML, Sanctions, or related risk/compliance functions within fintech, banking, or financial services, with 1+ years of direct people management experience. • Strong working knowledge of BSA/AML and Sanctions regulations (BSA, USA PATRIOT Act, AMLA, FinCEN, OFAC) and experience supporting audits, regulatory exams, and internal compliance testing. • Experience leading regulatory change implementation and/or compliance issue remediation programs, including sustainable control enhancements. • Demonstrated ability to manage team operations, set tactical priorities, and drive consistent, high-quality execution in a fast-paced environment. • Strong decision-making and problem-solving skills, with the ability to assess risk, gather input, and act with appropriate urgency. • Proven ability to provide clear, actionable feedback, address performance issues constructively, and develop team members. • Track record of improving processes, identifying inefficiencies, and implementing scalable, data-driven solutions. • Ability to build strong cross-functional partnerships and influence stakeholders without formal authority. • Excellent analytical, organizational, written, and verbal communication skills, with the ability to clearly document complex investigations and regulatory analyses. • High integrity, professionalism, and discretion in handling sensitive information. • ACAMS, CFE, CRCM or similar certification are strongly preferred. • Bachelor’s degree or equivalent professional experience required.
Responsibilities
• Lead the day-to-day execution and continuous enhancement of EarnIn’s Financial Crimes Compliance Program, including BSA/AML and Sanctions. • Oversee AML investigations, sanctions screening, SAR/UAR decisioning, and case quality to ensure regulatory compliance and audit readiness. • Drive the BSA/AML and Sanctions risk assessment process, ensuring risks are clearly identified, documented, and effectively mitigated. • Oversee transaction monitoring rule development, tuning, testing, and optimization in partnership with Risk, Data, and Engineering. • Maintain and enhance policies, procedures, and playbooks to align with evolving regulatory requirements and business changes. • Act as an escalation point for complex investigations, potential sanctions matches, and high-risk matters. • Lead compliance issue management, including intake, tracking, remediation, and reporting of findings from audits, monitoring, and regulatory exams. • Develop clear, accountable remediation plans with defined timelines, measurable outcomes, and sustainable control improvements. • Promote strong root cause analysis to prevent repeat findings and strengthen the overall control environment. • Oversee regulatory change management, assessing new or updated laws and guidance (e.g., BSA, AMLA, OFAC, FinCEN) and driving timely implementation across policies, processes, and systems. • Provide clear, regular updates to leadership and stakeholders on program health, remediation status, and emerging risks. • Manage and develop a team of compliance professionals by setting clear expectations, providing actionable feedback, and supporting growth. • Set and execute near-term strategic plans, monitor workload and performance, and ensure consistent, high-quality delivery. • Foster a collaborative, accountable team culture and serve as a trusted cross-functional partner to promote a strong culture of compliance.
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