BSA Officer

AutoPayPlus; Orlando (FL); On-site; USD 120,000 - 180,000; Full time

Benefits offered by this job

401(k) with employer matching

Company-paid health, dental, andVision

Life insurance

Disability insurance

Generous PTO

Paid holidays and sick leave

Casual dress code

Team-oriented environment

Daily snacks and weekly breakfasts

Company-sponsored events

Job summary

AutoPayPlus is seeking a seasoned BSA Officer to lead the bank secrecy act, AML and sanctions compliance program in a fully onsite Orlando role. You will own the program, manage risk assessments, and serve as primary contact for sponsor bank partners and audits.

The ideal candidate has direct BSA/AML leadership experience, strong communication, and the ability to work with executives and the Board. A CAMS/CAFP certification and a bachelor’s degree are required.

Qualifications

• CAMS (Certified Anti-Money Laundering Specialist) or CAFP (Certified AML and Fraud Professional) certification required at hire and maintained throughout employment.
• At least 5 years of BSA/AML compliance experience in payments, money services, fintech, consumer finance, or banking.
• At least 3 years serving as a designated BSA/AML Officer or leading a BSA/AML program.
• Experience writing, implementing, and remediating CIP, CDD, beneficial ownership, EDD, OFAC, and SAR procedures.
• Direct experience with sponsor bank oversight reviews, independent BSA/AML audits, or regulatory examinations.

Responsibilities

• Oversee BSA/AML program ownership and OFAC compliance.
• Develop and maintain policies, procedures, internal controls and documentation.
• Lead risk assessments and present results to the Board.
• Manage sanctions screening and trigger escalation procedures.
• Coordinate with sponsor banks, auditors, and regulators; ensure deadlines are met.

Skills

BSA/AML expertise

Leadership

Policy writing

Communication

Risk assessment

Education

Bachelor's degree

Job description

Join an award-winning team!

AutoPayPlus was named a 2026 Orlando Top Workplaces winner by Orlando Sentinel Media Group.

AutoPayPlus (APP) is a growing fintech company dedicated to improving the financial lives of everyday consumers. Since 2003, we’ve served more than 250,000 members and processed over $5.65 billion in loan payments through long-standing partnerships nationwide.

Our mission is simple: help our members budget better, protect their credit, and become debt-free faster.

We’re proud to have been recognized by the Orlando Business Journal as one of the Best Places to Work and continue to grow year over year, creating opportunities for our team and business.

Why Join AutoPayPlus?

• Established company with more than 20 years of success
• Growing fintech environment with opportunities to make a meaningful impact
• Collaborative, team-oriented culture
• Commitment to doing the right thing for our members, partners, and employees
• Compliance leadership role with direct access to executive leadership
• Opportunity to strengthen compliance practices, lead a team, and support responsible business growth

Position Overview

The BSA Officer serves as AutoPayPlus’ designated BSA/AML Officer, responsible for the design, administration, execution, and ongoing effectiveness of the company’s Bank Secrecy Act, anti-money laundering, and sanctions compliance program.

This role combines hands-on program ownership with compliance team leadership. The BSA Officer serves as the primary BSA/AML compliance contact for sponsor bank partners and oversees risk assessments, customer due diligence, sanctions screening, suspicious activity monitoring and reporting, training, and audit remediation.

The ideal candidate has directly led a BSA/AML program and brings strong operational judgment, attention to detail, and the ability to communicate effectively with bank partners, auditors, executives, and the Board.

This position requires fully onsite work in Orlando, Florida, Monday through Friday. Candidates must reside in the Orlando area.

What You’ll Do

BSA/AML Program Ownership

• Serve as APP’s designated BSA/AML Officer and lead the company’s BSA/AML and OFAC compliance program.
• Develop and maintain policies, procedures, internal controls, and supporting documentation.
• Complete the annual BSA/AML and sanctions risk assessment and present results to the Board.
• Report program performance, significant risks, findings, and remediation progress to executive leadership and the Board.
• Monitor regulatory developments and implement necessary updates to policies, controls, and business practices..

Sanctions Screening

• Oversee OFAC and watchlist screening at onboarding and throughout the customer relationship.
• Maintain screening thresholds, matching settings, escalation procedures, and timely list updates.
• Test screening effectiveness at least annually and address identified gaps.
• Manage third-party screening vendors, including politically exposed person (PEP) screening.

Monitoring and Suspicious Activity Reporting

• Oversee transaction monitoring, alert reviews, investigations, and escalation of potentially suspicious activity.
• Lead the internal Suspicious Activity Report (SAR) committee and oversee SAR decisions, documentation, and filing where applicable.
• Coordinate reporting responsibilities with sponsor bank partners and ensure applicable deadlines are met.
• Partner with Technology to strengthen monitoring controls and identify data-quality exceptions.
• Maintain clear records of reviews, investigations, decisions, and corrective actions.

Sponsor Bank Relationships, Audits and Examinations

• Serve as the primary BSA/AML compliance contact for sponsor bank partners.
• Lead sponsor bank compliance reviews and coordinate resulting remediation.
• Coordinate the annual independent BSA/AML review and track findings through documented closure.
• Support regulatory examinations, audits, and third-party oversight.
• Provide timely, accurate responses to documentation requests and communicate significant findings to leadership.

What We’re Looking For

• Active CAMS (Certified Anti-Money Laundering Specialist) or CAFP (Certified AML and Fraud Professional) certification required at hire and maintained throughout employment.
• At least 5 years of BSA/AML compliance experience in payments, money services, fintech, consumer finance, or banking.
• At least 3 years serving as a designated BSA/AML Officer or directly leading a BSA/AML program.
• Hands-on experience writing, implementing, and remediating CIP, CDD, beneficial ownership, EDD, OFAC, and SAR procedures.
• Direct experience with sponsor bank oversight reviews, independent BSA/AML audits, or regulatory examinations.
• Strong working knowledge of applicable BSA/AML, USA PATRIOT Act, FinCEN, and OFAC requirements.
• Ability to translate regulatory requirements into clear policies, procedures, and operational controls.
• Strong leadership and collaboration skills, with the ability to establish priorities and hold team members accountable.
• Sound judgment when identifying, communicating, and escalating compliance risks.
• Excellent written and verbal communication skills and strong attention to documentation.
• Ability to work effectively with bank partners, auditors, executives, and the Board.
• Bachelor’s degree.
• Must reside in the Orlando, Florida area and work fully onsite Monday through Friday.

Benefits & Perks

• 401(k) with employer matching
• 100% company-paid health, dental, and vision insurance for employee coverage
• Life insurance
• Short- and long-term disability
• Generous paid time off
• Paid holidays and sick leave
• Casual dress code
• Team-oriented work environment
• Daily snacks and weekly team breakfasts
• Company-sponsored events and end-of-year celebration

Equal Opportunity Employer

AutoPayPlus is committed to a diverse and inclusive workplace. We are proud to be an equal opportunity employer and evaluate qualified candidates based on demonstrated skills and experience relevant to the role.