Crypto AML & Sanctions Advisor

SoFi; Frisco (TX); On-site; USD 150,000 - 190,000; Full time

Benefits offered by this job

CAMS/CFE certification

Job summary

SoFi is seeking a Crypto AML & Sanctions Advisor to provide specialized compliance advisory for our crypto products and services, reporting to the Crypto Compliance Officer.

You will support the business in identifying and mitigating risks related to money laundering, terrorist financing, sanctions, and other illicit finance activity associated with digital assets, while helping ensure SoFi meets applicable regulatory requirements, expectations, and guidance.

Qualifications

• Bachelor’s degree in a related field.
• 8+ years in AML, sanctions, financial crime, or risk management, with crypto/digital assets experience.
• Strong understanding of cryptocurrency and blockchain products.
• Knowledge of money laundering, sanctions evasion, fraud and other illicit finance typologies.
• Experience developing or advising on wallet screening, KYT, and transaction monitoring controls.
• Experience with blockchain analytics platforms (Chainalysis, TRM, Elliptic, etc.).
• Excellent knowledge of BSA/AML and OFAC requirements for crypto activities.
• Ability to communicate with multi-disciplinary teams and lead stakeholders.

Responsibilities

• Provide subject matter expertise to Crypto Compliance Officer and cross-functional teams.
• Advise on AML and sanctions across the crypto product lifecycle (trading, custody, wallets, etc.).
• Assess new products, networks, vendors for crypto risk and implement controls.
• Support development and governance of crypto AML/sanctions policies and risk assessments.
• Contribute to regulatory examinations, audits, and third-party risk management related to digital assets.

Skills

AML expertise

Financial crime risk

Blockchain analytics

Regulatory knowledge

Stakeholder management

Cross-functional collaboration

Communication skills

Education

Bachelor’s Degree

Tools

Chainalysis

TRM Labs

Elliptic

Job description

Who we are: Shape a brighter financial future with us.

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.

The role: The Crypto AML & Sanctions Advisor will provide specialized financial crime compliance advisory support for SoFi’s digital asset and cryptocurrency products and services, reporting to the Crypto Compliance Officer. Your role will be to support the business in identifying and mitigating risks related to money laundering, terrorist financing, sanctions, and other illicit finance activity associated with digital assets, while helping ensure SoFi meets applicable regulatory requirements, expectations, and guidance. The role will support the development and maintenance of sound, risk-based AML and sanctions programs and controls across SoFi’s crypto ecosystem.

What you’ll do: Act as a key Crypto AML & Sanctions advisor, providing subject matter expertise to the Crypto Compliance Officer, Compliance, Product, Engineering, Investigations, and business leaders on financial crime risks and controls. Provide AML and sanctions advisory across the crypto product lifecycle, including trading, custody, deposits and withdrawals, wallets, stablecoins, staking, and emerging digital asset products. Identify and assess blockchain-specific financial crime risks and advise on appropriate controls, including KYT, transaction and wallet screening, sanctions exposure, Travel Rule requirements, and escalation frameworks. Partner with Compliance, Product, Engineering, and Operations to assess new products, digital assets, blockchain networks, vendors, and material changes and ensure appropriate AML and sanctions controls are implemented. Support the development and enhancement of crypto AML and sanctions policies, procedures, risk assessments, monitoring controls, and governance frameworks. Stay informed of regulatory developments, enforcement actions, emerging crypto typologies, and industry best practices and recommend enhancements to mitigate financial crime risk. Support the Crypto Compliance Officer with regulatory examinations, internal audits, compliance testing, issue management, and third-party risk management activities related to digital assets.

What you’ll need:

• Bachelor’s Degree from a four-year college or university in a related field.
• 8+ years of experience in AML, sanctions, financial crime compliance, or related risk management, with meaningful experience supporting cryptocurrency, digital assets, fintech, or other technology-enabled financial services.
• Comprehensive understanding of cryptocurrency and blockchain products, including crypto trading, custody, deposits and withdrawals, wallets, stablecoins, staking, and other digital asset services.
• Strong knowledge of digital asset financial crime risks, including money laundering, terrorist financing, sanctions evasion, fraud, mixers, self-hosted wallets, decentralized finance, and other blockchain-based illicit finance typologies.
• Experience developing, implementing, or advising on crypto AML, sanctions, transaction monitoring, wallet screening, or KYT controls.
• Experience with blockchain analytics and transaction monitoring platforms such as Chainalysis, TRM Labs, Elliptic, or comparable technologies.
• Excellent working knowledge of BSA/AML and OFAC requirements and regulatory expectations applicable to cryptocurrency and digital asset activities, including applicable Travel Rule requirements.
• Experience conducting financial crime risk assessments for new crypto products, digital assets, blockchain networks, vendors, or material product changes.
• Experience providing AML and sanctions guidance and advice to Compliance, Business, Product, Engineering, and Investigations teams.
• Demonstrated ability to communicate effectively with all levels of the organization and across different business lines.
• Strong leadership and stakeholder management skills that build effective cross-functional working relationships.
• Ability to work collaboratively and independently in a fast-paced, demanding, and rapidly evolving regulatory and technology environment.

Nice to have: CAMS/CFE certification

Compensation And Benefits The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location. To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!

SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.

The Company hires the best qualified candidate for the job, without regard to protected characteristics.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

New York applicants: Notice of Employee Rights

SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email [e-mail].

Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.

Internal Employees

If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.