BSA AML Officer

Majority USA, Llc.; Miami, Northern (FL, KY); Hybrid; USD 120,000 - 190,000; Full time

Job summary

MAJORITY is seeking an experienced BSA/AML/OFAC Officer for our Wynwood office in Miami to help build a world-class compliance program. You will advise on policy, risk and testing while partnering with cross-functional teams and external banks to ensure regulatory adherence.

In this role you will lead KYC/CIP programs, run risk assessments, design controls, and supervise SARs reporting. This is an in-person position reinforcing strong governance and a proactive compliance culture.

Qualifications

• 5–10 years advising on BSA/AML and running KYC/CIP and sanctions programs.
• Extensive experience with risk assessments, controls, monitoring, training and reporting.
• Experience advising operations on BSA/AML requirements and SAR filings.
• Ability to lead cross-functional programs with third parties.
• Strong judgment and escalation of issues when needed.

Responsibilities

• Advise on BSA/AML program strategy and testing.
• Develop policies, governance and testing frameworks.
• Collaborate with banks and service providers.
• Lead audits and remediation activities.
• Partner with operations across regions.

Skills

BSA/AML program

KYC/CIP/Sanctions

SARs reporting

Risk assessments

Controls & monitoring

Training & reporting

Cross-functional leadership

Third-party coordination

Decision making

Attention to detail

Education

B.A./B.S. degree

JD or LLM preferred

CAMS certification

CRCM certification

Tools

AI tools

Job description

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At MAJORITY, we're building a world where ambition knows no borders. We’ve created a mobile banking platform featuring a powerful set of financial tools for ambitious global citizens navigating life across borders. In the last few years, we’ve tripled our revenue, surpassed $3 billion in platform transactions, connected over 1.5 million users across 100+ countries, and built industry-leading products including our stablecoin-powered global wallet for users in the US, Mexico, and Colombia. In 2026 we’ve launched a credit card and expanded operations in Latin America with our Bogota office joining our Miami and Stockholm locations.

If you're excited by big challenges and bold ideas and want to help shape the future of global banking, join our ambitious international team of colleagues from more than 30 countries on a mission to build accessible financial products to help people manage and grow their money, wherever they’re from and wherever they’re going.

We’re looking for an experienced and hands-on BSA/AML/OFAC Officer to be a strategic advisor to our business and develop strong policies, governance and testing for a unique customer base. This role will report to our Chief Compliance Officer to help build a world-class compliance program. We view BSA/AML Compliance and knowing our customers as a core asset of our business. Technology-forward thinking and skills are a plus!

This is an in-person position based out of our Wynwood office in Miami, FL.

Required Qualifications

• 5-10 years of experience advising businesses on new product, operations, and technology initiatives and running a BSA/AML program, including KYC / CIP / Sanctions Screening / Transaction Monitoring / SARs.
• 5-10 years of experience with all pillars of a successful BSA/AML compliance program, including risk assessments, controls and monitoring, training, and reporting.
• 5-10 years of experience advising Operations teams on BSA/AML requirements, including KYC / CIP / EDD reviews, and reviewing and filing SARs and Unusual Activity Reports with sponsor banks.
• 5-10 years experience with developing and executing compliance testing and/or audit programs for BSA/AML programs.
• Ability to lead cross-functional efforts in response to company or partner needs. Works well with diverse stakeholders.
• Ability to partner with third parties (banks, service providers) to understand requirements and deliver reporting, testing and other output effectively.
• Ability to synthesize a broad set of inputs to make effective critical judgments.
• Ability to identify and escalate issues as appropriate.
• Close attention to detail and a bias for action, delivery with quality, and speed.

Preferred

• B.A. or B.S. degree; JD or LLM is a strong plus
• Experience working for, or with, a fintech sponsor bank.
• CAMS certification
• CRCM certification
• Experience using AI tools
• Spoken and written Spanish language skills are a major plus, though not required

If you’re interested in joining our mission, please apply by submitting your CV via MAJORITY’s careers page on our website.

We believe in equal opportunity and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

The MAJORITY app facilitates banking services through Axiom Bank, N.A. ("Axiom"), Member FDIC. The funds deposited in the account held at Axiom, Member FDIC, are FDIC-insured on a pass-through basis up to $250,000 per depositor in the event Axiom fails and subject to the satisfaction of certain conditions. The MAJORITY Visa® debit card is also issued by Axiom pursuant to a license from Visa U.S.A. Inc. Non-deposit products and services are not FDIC-insured.

Services may be provided by Majority Payment Services LLC (NMLS # 1991596). This licensed company may be verified through the NMLS consumer access website: https://www.nmlsconsumeraccess.org/

The MAJORITY Visa® Credit Card is issued by WebBank, member FDIC, pursuant to a license from VISA U.S.A. Inc. MAJORITY is not a bank or lender and is a technology company. Joining the waitlist does not constitute an application for credit and does not affect your eligibility or approval status. An application must be submitted to be considered for the card. Eligibility requirements apply, including but not limited to income and expense requirements, keeping your MAJORITY account in good standing, and establishing a security deposit account.

*Boost amount (i.e., the amount of the credit line increase) is up to 5% of the monthly on-time payment of at least the minimum payment due and is subject to other terms and conditions, including but not limited to an ability to repay check and a monthly cap in the credit card agreement.

**We report account information to one or more credit reporting agencies. Both positive and negative payment history impact your credit score. The impact of payment history on credit bureau scoring models will vary. Making on-time payments may help to build a credit profile for consumers without existing debt. Failure to make on-time payments will result in a negative history reported to credit reporting agencies and may negatively impact your credit score.

MAJORITY, 128 NW 28th Street, Suite 604, Miami, FL 33127