Senior Manager, AML Financial Intelligence Unit - Digital Assets

SoFi; Frisco (TX); On-site; USD 150,000 - 210,000; Full time

Job summary

SoFi is seeking a Senior Manager to lead FIU Investigators in AML and Fraud investigations spanning fiat and digital assets. You will oversee on‑chain analysis, wallet activity, and complex cases, delivering coaching and quality reviews to your team.

You will contribute to the design of digital‑asset monitoring programs and stay ahead of evolving typologies across crypto and traditional banking. Strong leadership and communication are essential.

Qualifications

• Bachelor’s Degree from a four‑year college or university.
• 6+ years of experience in AML and Fraud Compliance Investigations, with at least 2 years of direct management experience.
• Minimum of 3 years in cryptocurrency‑related AML transaction monitoring.

Responsibilities

• Manage a team of FIU Investigators responsible for evaluating AML and Fraud alerts and cases involving crypto assets.
• Provide oversight for digital‑asset investigations, including on‑chain flows, wallets, exchanges, bridges, DeFi activity.
• Conduct and oversee token reviews and ensure rigorous analysis and thorough dispositions.
• Coach FIU Investigators to drive investigative quality and identify training needs and process improvements.
• Assist with design and enhancement of digital‑asset transaction monitoring and wallet screening programs.
• Maintain knowledge of AML and Fraud typologies across retail banking, brokerage, and digital assets.
• Identify emerging digital‑asset risks and translate findings into monitoring and control enhancements.
• Collaborate with AML, Sanctions, Fraud, Compliance, Legal, Product, and Engineering on investigations and risk.

Skills

AML monitoring

Blockchain analytics

OFAC monitoring

Team leadership

Education

Bachelor's degree

Tools

Blockchain analytics tools

Job description

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

Reporting to the Head of AML Investigations, the Senior Manager will assist with the design and execution of SoFi’s transaction monitoring and wallet screening programs involving fiat currency, cryptocurrency and stablecoins. Responsibilities include establishing procedures, training materials, and furthering strategic initiatives related to digital assets as needed. Overseeing risk‑related decisions to terminate customers.

Additionally, this leader will oversee a team of FIU Investigators conducting independent suspicious activity investigations and preparing Suspicious Activity Reports related to both fiat and digital currencies. This requires that the Senior Manager conduct regular one‑on‑ones, deliver coaching, and perform holistic quality reviews of investigative work products to ensure rigorous analysis and thorough dispositions (quality control).

What you’ll do

• Manage a team of FIU Investigators responsible for evaluating AML and Fraud alerts and cases involving cryptocurrency, stablecoins, and other digital assets, determining whether activity presents financial‑crime risk and whether escalation or SAR filing is warranted.
• Provide oversight and subject‑matter expertise for complex digital‑asset investigations, including on‑chain transaction flows, wallet activity, self‑hosted wallets, exchanges, bridges, DEXs, lending protocols, and other DeFi activity.
• Conduct and oversee unsupported token reviews.
• Coach and develop FIU Investigators to drive investigative quality, consistency, and productivity, while identifying training needs, performance gaps, and process‑improvement opportunities.
• Assist with the design and ongoing enhancement of SoFi’s digital‑asset transaction monitoring, blockchain analytics, and wallet‑screening programs, including development of investigative procedures and training.
• Maintain deep knowledge of emerging AML and Fraud typologies across retail banking, brokerage, and digital assets, including scams, stolen funds, ransomware, mixers, sanctions exposure, cross‑chain activity, and DeFi‑related risks.
• Identify emerging digital‑asset risks and investigative trends and translate findings into enhancements to monitoring, controls, procedures, and investigator training.
• Partner with AML, Sanctions, Fraud, Compliance, Legal, Product, and Engineering on complex investigations, emerging risks, new digital‑asset capabilities, and enhancements to the financial‑crimes control environment.
• Provide recommendations to Senior Management and lead strategic initiatives to strengthen SoFi’s AML investigative capabilities across cryptocurrency, stablecoins, DeFi, and other emerging digital‑asset products and services.

What you’ll need

• Bachelor’s Degree from a four‑year college or university.
• 6+ years of experience in AML and Fraud Compliance Investigations, with a minimum of 2 years of direct management experience.
• Minimum of 3 years in cryptocurrency‑related AML transaction monitoring.
• Demonstrated ability to communicate effectively with all levels of the organization and across different business lines.
• Ability to successfully lead and manage a team of AML investigators, including providing training/oversight, quality control and mentoring
• Demonstrate strong leadership and management skills that build solid working relationships within the organization.
• Excellent working knowledge of BSA/AML laws and regulations relative to money laundering and terrorist financing, especially with regard to virtual assets, and the ability to apply this knowledge in assessing transactional activity.
• Strong attention to detail and analytical skills, with a focus on quality reviews.
• Excellent organizational, verbal, written, and interpersonal skills.
• Ability to multitask, adapt well to changing priorities, and effectively prioritize responsibilities to meet critical deadlines.
• Ability to work in a fast‑paced, demanding, and changing environment; must work well under pressure.
• Ability to work collaboratively and independently while managing projects and assignments.

Specific Skills in

• AML transaction monitoring, specifically with regard to cryptocurrency typologies (e.g., mixers, P2P exchanges, decentralized exchanges, Fraud using Cryptoasset ATMs) and transaction tracing
• Conducting transaction monitoring investigations using blockchain analytics tools
• OFAC/sanctions monitoring, reporting & blocking

Nice to have

• Experience leading an AML investigations team at a crypto‑native firm.
• CAMS or similar certification preferred (or willingness to become certified within one year of start date).

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].

We are unable to accommodate remote work from Hawaii, Alaska or Puerto Rico 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.