Senior Manager of AML Financial Intelligence Unit (Digital Assets)

SoFi; United States; On-site; USD 140,000 - 190,000; Full time

Job summary

SoFi seeks an Senior Manager for AML Investigations to design and lead its digital-asset transaction monitoring and wallet screening efforts for fiat and crypto activities. You will oversee FIU investigators, deliver coaching, and drive continuous improvements in investigative quality and efficiency.

You will manage complex digital-asset investigations, collaborate across Compliance, Legal, Product, and Engineering, and stay ahead of evolving AML typologies in DeFi, on-chain flows, and sanctions

Qualifications

• 6+ years in AML and Fraud Compliance Investigations, with a minimum of 2 years of direct management experience.
• 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)

Responsibilities

• Design and execute transaction monitoring and wallet screening programs for fiat, crypto, and stablecoins.
• Oversee a team of FIU Investigators conducting investigations and SAR filings.
• Coach and develop FIU Investigators to drive quality, consistency and productivity; perform quality reviews.
• Partner with AML, Sanctions, Fraud, Compliance, Legal, Product and Engineering on complex investigations and emerging risks.
• Provide subject-matter expertise for on-chain transaction flows, wallet activity, DeFi activity and digital-asset investigations.

Skills

AML investigations

Leadership

Blockchain analytics

Documentation

Cross-functional collaboration

Education

Bachelor's Degree

Tools

Blockchain analytics tools

Job description

• 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)
• 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

Benefits

• Generous vacation and holidays
• Paid parental leave for eligible employees
• 401(k) and education on retirement planning
• Monthly contribution up to $200 to help you pay off your student loans
• Great health & well-being benefits including: telehealth parental support, subsidized gym program
• Comprehensive health, vision, dental, life insurance, and disability benefits
• Fertility and family planning options
• Flexible time off
• Free financial classes
• Tuition reimbursement on approved programs, up to $5,250 per year

Bachelor’s Degree from a four-year college or universityDemonstrated ability to communicate effectively with all levels of the organization and across different business linesAbility to work collaboratively and independently while managing projects and assignmentsAbility to successfully lead and manage a team of AML investigators, including providing training/oversight, quality control and mentoringOFAC/sanctions monitoring, reporting & blockingExcellent 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 activityDemonstrate strong leadership and management skills that build solid working relationships within the organizationAML transaction monitoring, specifically with regard to cryptocurrency typologies (e.g., mixers, P2P exchanges, decentralized exchanges, Fraud using Cryptoasset ATMs) and transaction tracing6+ years of experience in AML and Fraud Compliance Investigations, with a minimum of 2 years of direct management experienceStrong attention to detail and analytical skills, with a focus on quality reviewsConducting transaction monitoring investigations using blockchain analytics toolsMinimum of 3 years in cryptocurrency-related AML transaction monitoringAbility to multitask, adapt well to changing priorities, and effectively prioritize responsibilities to meet critical deadlinesExcellent organizational, verbal, written, and interpersonal skillsAbility to work in a fast-paced, demanding, and changing environment; must work well under pressureExperience leading an AML investigations team at a crypto-native firmCAMS or similar certification preferred (or willingness to become certified within one year of start date)