BSA/AML Officer - US

ARQ; New York (NY); On-site; USD 150,000 - 210,000; Full time

Job summary

ARQ is a fast-growing US fintech in New York seeking a seasoned risk and regulatory compliance professional. You will test controls, rate findings with evidence, and prepare for regulator exams. You will own the truth about risk, challenge thresholds, and push for data-driven improvements.

Ideal candidates have 4+ years in BSA/AML and FinCrime, experience with top-tier firms or in-house compliance, and the ability to articulate high-risk issues to senior leaders with regulator-backed evidence.

Qualifications

• 4+ years in BSA/AML, FinCrime, internal audit or regulatory compliance.
• Experience with top-tier audit/advisory firms or in-house compliance.
• Proven ability to write findings regulators actually read.
• Ability to articulate high-risk issues with regulator-backed evidence.

Responsibilities

• Test BSA/AML, KYC, OFAC and transaction monitoring controls end to end.
• Rate findings (high/medium/low) with objective evidence.
• Pull and analyze data independently without waiting for reports.
• Challenge thresholds, alert logic and sampling with data.
• Track open issues to resolution and escalate when needed.
• Prepare for regulator exams and audits with deep foreknowledge.

Skills

BSA/AML

FinCrime

Regulatory compliance

Data analysis

Education

Bachelor's degree (related field)

Law degree / JD (nice-to-have)

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.

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 elevate 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.