Senior Regulatory & BSA/AML Compliance Officer

Freedom Federal Credit Union; Bel Air (MD); On-site; USD 110,000 - 170,000; Full time

Benefits offered by this job

PTO

11 holidays with floating birthday

Health insurance

401k retirement plan

Tuition reimbursement

Job summary

Freedom Federal Credit Union is seeking a Regulatory Compliance Officer to manage the enterprise compliance program, monitor federal and state requirements, and serve as the BSA/AML lead. The role requires coordinating regulatory changes, conducting reviews, and ensuring adherence across products, disclosures, and procedures.

The person will work with management to strengthen controls, train staff, and support regulatory examinations, while maintaining confidentiality and professional judgment.

Qualifications

• Bachelor's degree in business, finance, accounting, criminal justice, risk management, compliance, or a related field; equivalent experience may be considered.
• At least five years of regulatory compliance, BSA/AML, risk management, audit, or financial-crime experience within a financial institution; three years in regulatory compliance or BSA/AML responsibilities.
• Preferred experience in consumer lending, deposits, fair lending, privacy, and SAR/CTR decisioning; FinCEN 314(a/ b) knowledge a plus.
• CUCE, NCCO, CAMS, CRCM, or comparable certification preferred and must be obtained within 18 months of hire.
• Strong analytical skills, risk assessment, investigations, and ability to communicate with auditors/regulators.

Responsibilities

• Monitor regulatory developments and communicate impact with management; provide implementation recommendations.
• Coordinate regulatory change-management activities and maintain compliance calendar.
• Provide practical regulatory guidance and escalate significant risks to leadership.
• Perform ongoing, risk-based compliance reviews of products, services, disclosures, and processes.
• Coordinate BSA/AML testing and regulatory examinations with Internal Audit or qualified reviewers.
• Review products/services for compliance implications before implementation.

Skills

Regulatory knowledge

BSA/AML knowledge

OFAC compliance

Regulatory research

Policy development

Education

Bachelor's degree in business/finance/compliance

Tools

Compliance management systems

Microsoft Office

Job description

Freedom Federal Credit Union is seeking a Regulatory Compliance Officer to manage the enterprise compliance program, monitor federal and state requirements, and serve as the BSA/AML lead. The role requires coordinating regulatory changes, conducting reviews, and ensuring adherence across products, disclosures, and procedures.

The person will work with management to strengthen controls, train staff, and support regulatory examinations, while maintaining confidentiality and professional judgment.