BSA/AML Officer - US

DolarApp; New York (NY); On-site; USD 120,000 - 180,000; Full time

Job summary

ARQ is seeking a risk and compliance professional to audit and validate BSA/AML, FinCrime and regulatory controls across its processes in a fast-growing fintech environment.

In this role, you will independently test controls, document gaps with clear evidence, and push back on weak logic with data-driven insights. You will play a key part in regulator readiness and audits, helping the business stay compliant and transparent.

Qualifications

• 4+ years in BSA/AML, FinCrime, internal audit or regulatory compliance.
• Experience at top-tier audit/advisory firm, in-house compliance, or both.
• You have written findings that a regulator, auditor or board actually read.
• You can say "this is high risk" with regulation proof.
• Deep working knowledge of BSA, USA PATRIOT Act, OFAC and FinCEN expectations.
• JD or bar admission is a plus; STEM degree helps with analytics.
• SQL, Python or R skills for data analysis are desirable.

Responsibilities

• Test BSA/AML, KYC, OFAC and transaction monitoring controls end to end.
• Rate findings (high/medium/low) with regulator-proof evidence.
• Pull and analyze data independently without waiting for reports.
• Challenge thresholds and alert logic with numbers.
• Track issues to closure and escalate when needed.
• Prepare for regulator exams and audits and identify weak spots in advance.

Skills

BSA/AML

FinCrime

Regulatory compliance

Internal audit

Regulator communication

Education

JD or bar admission

STEM degree

Tools

SQL

Python

R

Job description

About ARQ

ARQ is one of the fastest-growing fintechs in the world. Our mission is to redefine how people interact with money across borders, building the backbone to move value seamlessly. We’re still early in our journey, which means every person who joins shapes the future of our product, culture, and growth. If you’re excited by big challenges, global impact, and the chance to grow fast with a world-class team, ARQ is the place to do it.

The job

You find risk, measure it and call it. You do not fix it.

Every finding you write answers three things: what is broken, how bad it is, and what evidence proves it. You don't soften the rating and you don't propose the remedy. The business owns the fix. You own the truth about the risk.

What you will do

• Test our BSA/AML, KYC, OFAC and transaction monitoring controls end to end, independently of the teams that run them

• Rate every finding (high / medium / low) with evidence that holds up in front of a regulator

• Pull and analyze data yourself; you don't wait for someone to send you a report

• Challenge thresholds, alert logic and sampling assumptions with numbers, not opinions

• Track open issues until owners close them, and escape when they don't

• Prepare us for regulator exams and audits, and be the person in the room who already knows the weak spots

What you need (non-negotiable)

• 4+ years in BSA/AML, FinCrime, internal audit or regulatory compliance

• Experience at a top-tier audit/advisory firm, in-house compliance, or both. Both is ideal.

• You have written findings that a regulator, auditor or board actually read

• You can say "this is high risk" to a senior leader and point to the regulation which proves it.

• Deep working knowledge of the BSA, USA PATRIOT Act, OFAC and FinCEN expectations

Nice to have

• Law degree (JD) or bar admission

• Degree in engineering, mathematics, statistics or another STEM field

• SQL: you can query transaction data yourself

• Python or R for analysis, sampling or testing alert logic

• Statistics: sampling design, hypothesis testing, threshold and model validation

• CAMS, CRCM, CIA, CISA, CPA or CFE

• Exposure to AI or model risk (SR 11-7, NIST AI RMF)

You will not enjoy this role if

• You need someone else to pull the data for you

• You round risk ratings down to keep people comfortable

• You are uncomfortable being the person no one wants in the meeting

• You uniform to the norm.