Compliance Specialist, BSA/AML, MTL

Job Description: Process and track MTL applications and active licenses through NMLS, including state filings, deficiency responses, MSB Call Reports, renewals, and material change notificationsServe as a day-to-day point of contact for state money transmitter regulators and support timely, professional regulatory communicationsSupport AML/BSA compliance program activities, including risk assessments, transaction monitoring oversight, sanctions screening processes, and escalation of potential suspicious activityDraft, maintain, and update compliance policies, procedures, and internal documentation aligned with state money transmission laws, BSA, USA PATRIOT Act, FinCEN, and OFAC requirementsHelp coordinate preparation for regulatory examinations and bank partner reviews, including gathering documentation, tracking requests, and supporting remediation of findingsConduct periodic compliance reviews and control testing to identify gaps and recommend practical improvementsMonitor relevant regulatory developments — including changes to state Money Transmitter Acts, FinCEN guidance, and OFAC requirements — and help update internal practices accordinglyPartner with Legal, Finance, Product, and Operations to integrate compliance requirements into workflows and new initiativesSupport employee compliance training effortsRequirements: A minimum of 5 years of compliance experience in a money transmitter, bank, or highly regulated financial services environment (e.g., securities, mortgage), with direct involvement in AML/BSA programs.Demonstrated hands-on expertise with the Bank Secrecy Act, USA PATRIOT Act, FinCEN regulations, and OFAC sanctions programs.Required to hold a Certified Anti-Money Laundering Specialist (CAMS) credential.Working knowledge of state money transmitter licensing frameworks and hands-on experience with NMLS, including state-specific nuances (e.g., NYDFS, CA DFPI, Texas DOB).Experience managing or participating in federal and state regulatory examinations conducted by FinCEN, state banking departments, or OFAC.Strong written and verbal communication skills, with the ability to translate regulatory requirements into clear guidance for colleagues across product, engineering, and operations.Benefits: Must be willing to submit personal biographical and financial informationUndergo fingerprinting and background checks as required by state regulators.