BSA Officer

ACCsurance; United States; On-site; USD 180,000 - 230,000; Full time

Job summary

ACCsurance is seeking a seasoned BSA/AML Officer to lead and scale our comprehensive compliance program across Banking, Fintech, and Broker-Dealer environments. You will design policies, supervise regulatory interactions, and manage a growing team of analysts and investigators.

The role reports to the CEO and requires deep regulatory knowledge, strong leadership, and hands-on experience with KYC, CDD, and OFAC in a fast‑moving financial group.

Qualifications

• 10+ years of progressive BSA/AML compliance experience.
• Masters or JD strongly preferred.

Responsibilities

• Oversee end-to-end BSA/AML/OFAC compliance framework for Banking/Deposits, Broker-Dealer and Fintech operations.
• Design and implement analytics and monitoring tools for suspicious activity detection.
• Lead KYC/CDD/EDD programs for institutional clients.
• Oversee regulatory reporting and interactions with regulators.

Skills

BSA/AML compliance

Regulatory compliance

Leadership

Education

Bachelor’s degree

Master’s degree

Juris Doctor (JD)

Tools

KYC/AML screening tools

Analytics software

Job description

As the Bank Secrecy Act (BSA) Officer for this Financial Group that is a bank, a Fintech platform and a Broker-Dealer, you will maintain the current environment, as well as build, implement, and lead the comprehensive Compliance, BSA/Anti-Money Laundering (AML) and compliance program from an intermediately mature status, as well as handle the regulators which are the Federal Reserve, OCC, SEC and FINRA. You will maintain and design the compliance infrastructure, policies, and procedures required to safely scale our Client's Banking, Fintech and Broker-Dealer operations while ensuring strict adherence to federal regulations and virtual asset guidance. You will report directly to the Chief Executive Officer (CEO) and serve as the primary liaison with regulatory bodies such as the Federal Reserve, OCC, FINRA and the SEC, and state banking regulators.

Key Responsibilities

• Program Development: Oversee the end-to-end BSA/AML/OFAC compliance framework tailored for Banking/Deposits, Broker-Dealer activities and Fintech environments.
• Transaction Monitoring: Design and implement analytics and transaction monitoring tools to detect and investigate suspicious activities.
• KYC/CDD/EDD: Continue the Compliance posture ensuring robust Know Your Customer (KYC), Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) standards specifically adapted for all clients, mostly institutional.
• Regulatory Reporting: Oversee the drafting, filing, and tracking of all necessary regulatory reporting.
• Risk Assessments: Conduct enterprise-wide BSA/AML risk assessments regarding banking and deposits and broker dealer activities, assisting the Chief Risk Officer
• Examinations: Act as the primary point of contact for regulatory examiners, internal auditors, and external independent testing.
• Team Building: Recruit, train, and mentor a growing team of compliance analysts and investigators.

Qualifications & Requirements

• Experience: 10+ years of progressive BSA/AML compliance experience, with at least 3-5 years specifically in Banking, Deposits and FinTech sector.
• Education: Bachelor’s degree required, Masters or JD strongly preferred.
• Domain Knowledge: Deep understanding of innovation in the Deposits Space, as well as onboarding and activation.
• Regulatory Expertise: Exceptionally strong fluency in the Bank Secrecy Act (BSA), USA PATRIOT Act, FINRA, SEC and Federal Reserve Regulatory Compliance.
• Tool Proficiency: Hands-on experience with analytics tools and automated KYC/AML screening vendors.
• Certifications: Certified Anti-Money Laundering Specialist (CAMS) or Certified Fraud Examiner (CFE) is highly preferred.