BSA/AML Compliance Lead — Remote

Upstart; United States; Remote; USD 116,000 - 160,000; Full time

Benefits offered by this job

401(k) or Group Retirement SavingsPlan

ESPP

Health coverage

Paid time off

Parental leave

Life insurance

Job summary

Upstart is actively seeking a BSA/AML Compliance Associate Manager to design and oversee the BSA/AML program for secured and unsecured lending and deposit products. You will work with Product, Legal, Operations, and Risk to ensure compliant product delivery and risk management.

In this role, you will translate regulatory changes into scalable controls, develop KRIs/KPIs, and drive issue remediation from audits and exams. A CAMS/CAFP or equivalent is preferred, with 5+ years in relevant roles.

Qualifications

• Bachelor's degree or equivalent practical experience in a related field.
• 5+ years in BSA/AML compliance or a related risk role within a bank or regulated institution.
• Experience onboarding customers with identity verification, CDD/EDD and screening.
• Knowledge of BSA/AML regulations and deposit product risks.
• Experience delivering risk assessments and management reporting with cross-functional teams.
• Strong organizational, analytical, and communication skills.
• Ability to identify policy gaps and drive closure.

Responsibilities

• Lead design and improvement of BSA/AML, CDD, EDD, monitoring, and sanctions screening for lending and deposit products.
• Advise product teams on BSA/AML compliance during development and implementation.
• Develop and manage AML initiatives, including product launches and regulatory enhancements.
• Administer ongoing CDD/EDD programs aligned with CIP, Red Flags, and procedures.
• Evaluate risk typologies and create efficient monitoring and investigation processes.
• Monitor regulatory changes and translate into scalable business controls.
• Develop KRIs, KPIs, and management reporting for program effectiveness.
• Translate requirements into actionable recommendations for leadership.
• Drive remediation from examinations, audits, and testing findings.

Skills

Analytical skills

Communication skills

Organizational skills

Attention to detail

Education

Bachelor's degree or equivalent practical experience

Job description

Upstart is actively seeking a BSA/AML Compliance Associate Manager to design and oversee the BSA/AML program for secured and unsecured lending and deposit products. You will work with Product, Legal, Operations, and Risk to ensure compliant product delivery and risk management.

In this role, you will translate regulatory changes into scalable controls, develop KRIs/KPIs, and drive issue remediation from audits and exams. A CAMS/CAFP or equivalent is preferred, with 5+ years in relevant roles.