Sanctions & KYC Manager

Happen Bank, N.A.; New York (NY); Híbrido; USD 90.000 - 125.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Medical plans

Dental and vision plans

401(k) match

Flexible time off

Parental leave

Descripción de la vacante

Happen Bank is seeking a Sanctions and KYC Manager to join the Financial Crimes Compliance team. You will own escalated sanctions alert resolution, reporting of blocked property and rejected transactions, and drive KYC system improvements.

You will provide guidance to partners and strengthen controls for effective programs. Requirements include 4+ years in financial crimes compliance, strong BSA/AML and OFAC knowledge, and experience with due diligence and ownership.

Formación

• 4+ years in financial crimes compliance, sanctions and preferably KYC.
• Strong knowledge of BSA/AML, OFAC, and KYC requirements.
• Experience with customer identification, due diligence, and ownership.
• Ability to translate obligations into practical decisions and controls.
• Experience with sanctions screening alerts and reports.

Responsabilidades

• Resolve escalated sanctions alerts and inquiries, including wire transactions and potential matches, documenting decisions.
• Prepare accurate blocked property and rejected transaction reports and support sanctions reviews.
• Translate regulatory changes into procedures, training, and guidance for partners.
• Maintain dashboards, scorecards, and capacity models to track metrics and risks.
• Collaborate with QA, Compliance Testing, and business teams to fix control weaknesses and provide evidence for audits.
• Drive improvements with data, technology, and operations partners, including testing and checks.
• Support customer due diligence and enhanced due diligence as needed, ensuring timely outcomes.
• Improve workflows through standardization and responsible use of AI tools.

Conocimientos

Financial crimes compliance

Sanctions

KYC

Regulatory reporting

Data analysis

Communication

Educación

Bachelor's degree

Herramientas

Bridger

KYC platforms

Descripción del empleo

Who we are

Happen Bank (formerly LendingClub) is built around a simple purpose: to clear the way to help people turn intention into action, and action into financial progress. That means offering focused products, a frictionless mobile-first experience, and clear terms with no gotchas. Respect and fairness is part of our DNA, and that ideal shapes how we work, how we treat each other, and how we invest in our employees and our community. Join us in using data, bold thinking, and a commitment to innovation to help clear the way for millions of Americans to achieve more.

About the Role

As a Sanctions and KYC Manager within Happen Bank’s Financial Crimes Compliance team, you’ll serve as an individual contributor and subject matter resource, owning escalated sanctions alert resolution, blocked property and rejected transaction reporting, and screening and KYC system improvements. You’ll make documented decisions within delegated authority, provide practical guidance to business partners, and strengthen the controls that keep our sanctions and KYC programs effective.

What You'll Do

• Resolve escalated sanctions alerts and inquiries, including wire transactions and potential matches, documenting decisions within delegated authority and escalating matters that require additional approval
• Prepare accurate, timely blocked property and rejected transaction reports and support potential sanctions violation reviews and voluntary self-disclosures
• Translate regulatory and policy changes into clear procedures, training, and practical guidance that help business partners apply KYC and sanctions requirements consistently
• Maintain reliable dashboards, scorecards, and capacity models to track volumes, aging, quality, and emerging risks, and recommend actions to address gaps
• Partner with Quality Assurance, Compliance Testing, and business teams to identify control weaknesses, complete corrective actions, and provide documented evidence for audits and regulatory examinations
• Drive assigned screening and KYC system improvements with technology, data, and operations partners, including requirements, data validation, user acceptance testing, and implementation checks
• When required, support customer due diligence, enhanced due diligence, beneficial ownership, customer risk rating, and periodic review work, including quality review and escalated complex cases, ensuring timely and well-supported outcomes
• Improve team workflows through standardization, informal peer coaching, and appropriate use of approved AI tools, protecting sensitive information and validating outputs

About You

• 4+ years of relevant financial crimes compliance experience with regulated financial institutions, including sanctions and preferably KYC
• Strong working knowledge of BSA/AML, OFAC sanctions, and KYC requirements, with the ability to translate complex obligations into practical decisions and controls
• Hands‑on experience with customer identification, customer due diligence, enhanced due diligence, beneficial ownership, customer risk rating methodologies, and periodic reviews
• Experience investigating sanctions screening alerts, assessing ownership under OFAC’s 50 Percent Rule, evaluating payment activity, and preparing blocked property and rejected transaction reports
• Experience reading and interpreting payment transactions, including wire and ACH activity, to identify originators, beneficiaries, intermediaries, and other parties and payment details relevant to a sanctions determination
• Ability to independently deliver defined workstreams, prioritize competing deadlines, and recognize when a decision requires escalation
• Strong analytical skills, with experience validating data, interpreting performance metrics, and using findings to improve quality and efficiency
• Clear writing and communication skills, with the confidence to challenge constructively, explain decisions, coach peers, and incorporate feedback
• Hands‑on experience using AI tools to improve efficiency and accelerate your work and improve output quality. You are equally comfortable using them and helping colleagues apply them responsibly, with sound judgment about confidentiality, accuracy, limitations, and human review
• Bachelor's degree or higher, or equivalent combination of education and work experience

Nice to Have

• CAMS, CGSS, or a comparable financial crimes or sanctions certification
• Experience with sanctions screening platforms (Bridger preferred) and KYC workflow tools
• Experience supporting sanctions voluntary self-disclosures, regulatory examinations, or remediation projects

Work Location

San Francisco, Lehi, or New York. The above locations are eligible offices for this role. The locations have been determined to foster in‑person collaboration with this role’s team or the related business lines. We utilize a hybrid work model, and our teams are in‑office Tuesdays, Wednesdays, and Thursdays. In‑person attendance is essential for this role’s success, and remote placement will not be considered.

Time Zone Requirements

Local hours (PT, MT, ET). While the position will primarily work local hours, Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.

Travel Requirements

As needed travel to Happen Bank offices and/or other locations, as needed.

Compensation

The target base salary range for this position is 90,000-125,000. The base salary of the role will be determined by job‑related knowledge, experience, education, skills, and location.

You may also be eligible for long‑term awards (equity) and an annual bonus (which is based on company performance, employee performance and eligible earnings).

• Medical plans for employees and their families
• Dental and vision plans for employees and their families
• 401(k) match
• Health and wellness programs
• Flexible time off policies for salaried employees
• Up to 16 weeks paid parental leave

Equal Opportunity Employer

Happen Bank is an equal opportunity employer and dedicated to diversity, equity, and inclusion in the workplace. We do not discriminate on the basis of race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), gender, gender identity, gender expression, sexual orientation, age, marital status, veteran status, disability status, political views or activity, or other applicable legally protected characteristics. We believe that a variety of perspectives will make our teams and business stronger as we work together to transform the traditional banking system. We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you need assistance or an accommodation due to a disability, please contact us at [e-mail].

Notice on AI Tool Use

For select roles and locations, candidate interviews may be recorded, transcribed and summarized by tools such as artificial intelligence (AI) to assist our hiring managers with the application process. You will have the opportunity to opt out of recording, transcription, and summarization prior to any scheduled interviews. We will not discriminate against you if you choose to opt out. During the interview, we will collect the following categories of personal information from or about you: contact information, identifiers, professional and employment‑related information, sensory information (audio/video recording), and any other categories of personal information you choose to share with us. We will use this information to evaluate your application for employment. We will only share your interview, transcription, or summary with persons whose expertise or technology is necessary to process your application, evaluate your fitness for a position, and administer or support the tool. We will not sell your personal information or disclose it to any third party for their marketing purposes. For more information about how we will handle your personal information, please refer to our Privacy Disclosure. We will delete any recording of your interview promptly but in no event later than 30 days after making a hiring decision.

Please review Happen Bank Work‑related Privacy Disclosure.