US BSA / AML and Sanctions Officer

AML Talent; United States; On-site; USD 180,000 - 280,000; Full time

Benefits offered by this job

Yearly bonus

Annual team trip

Skills development budget

Job summary

AML Talent, the recruitment arm of Sentinence, is seeking a U.S.-based BSA/AML Officer to lead the company’s AML/CTF and sanctions program. The role combines regulatory strategy with hands-on oversight of transactions, examinations, and program remediation.

You will serve as the designated BSA Officer and primary liaison for FinCEN, regulators, and auditors, reporting to the Global Head of Compliance and the Board.

Qualifications

• 5+ years of dedicated BSA/AML compliance experience as a CCO or Deputy CCO within a fintech, Money Services Business (MSB), crypto platform, or regulated financial institution.
• Proven experience designing, implementing, or overseeing compliance monitoring and testing programs to proactively identify control gaps.
• Background in compliance audit/exam functions OR direct hands-on experience leading state MTL/FinCEN examinations and third-party independent audits.
• Demonstrated experience designing, executing, and closing complex regulatory remediation plans, risk management, MAPs, and historical transaction lookbacks.
• Deep understanding of blockchain analytics tools, digital asset typologies, and non-custodial transaction architectures.
• Expertise in the Bank Secrecy Act, USA PATRIOT Act, FinCEN regulations, OFAC sanctions, and state Money Transmitter laws.
• Certified Anti-Mmoney Laundering Specialist (CAMS) or equivalent professional designation required.
• Strong analytical, narrative drafting, and executive communication skills with proven comfort presenting to Boards and regulators.

Responsibilities

• Proactively design, implement, and manage the BSA/AML/Sanctions compliance program.
• Lead and coordinate regulatory examinations with FinCEN, IRS, and state authorities.
• Develop and present reporting to the US Board and executives; update enterprise risk assessments.
• Oversee investigations, CDD/EDD, and escalation pathways with AML analysts.
• Provide advisory support on regulatory requirements and MT licensing initiatives.
• Manage transaction monitoring, KYC tooling, and third-party vendor controls.

Skills

BSA/AML Compliance

Regulatory Reporting

Audit & Exam

Remediation

Crypto / Web3 Knowledge

KYC / AML Tools

Regulatory Knowledge

CAMS Certification

Executive Communication

Tools

Transaction Monitoring Systems

Identity Verification (KYC) Tools

Blockchain Analytics

Job description

AML Talent, the recruitment arm of Sentinence.

Who We Are

Our Company is making it easier to buy, sell, and move crypto across Web3, supporting non-custodial on and off-ramp transaction flows. We are building a best-in-class financial screening program to support long-term U.S. scale of operations.

Role Overview

The US Bank Secrecy Act “BSA” Officer carries formal administration for the company’s U.S. Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), and Sanctions compliance framework.

This role combines high-level regulatory strategy, policy construction, and Board-level reporting with hands‑on oversight of transaction workflows, regulatory examinations, proactive compliance monitoring, and program remediation.

You will serve as the designated BSA Officer and primary point of contact for FinCEN, state financial regulators, and third‑party auditors.

Primary Reporting Lines: Global Head of Compliance (Administrative) and the Board of Directors

Key Responsibilities

1. Proactive Compliance Monitoring & Gap Analysis

Design, execute, and manage an ongoing BSA/AML/Sanctions compliance program

Proactively evaluate control effectiveness across business lines, identifying operational gaps, edge‑case risk vulnerabilities, and any emerging risks before they escalation.

Formulate and drive preventative control enhancements and workflow optimizations to continuously mature the compliance framework.

Track and measure control remediation effectiveness through routine testing cycles of the overall compliance program.

2. Remediation, Audits & Regulatory Examinations

Serve as the primary lead for all U.S. federal (FinCEN, IRS) and state regulatory examinations, as well as independent third‑party BSA/AML effectiveness audits.

Design, advise on, and execute comprehensive remediation programs, historical lookback reviews, and control enhancements to resolve identified deficiencies.

Draft, track, and implement Management Action Plans (MAPs) resulting from internal audits, independent reviews, testing of the compliance program or regulatory findings.

Manage ongoing regulatory engagements, information requests, and supervisory inquiries.

3. Policy, Governance & Board Reporting

Build, maintain, and continuously update U.S. BSA/AML, OFAC Sanctionspolicies, procedures, and internal controls tailored to a non‑custodial crypto model.

Establish U.S.-specific Compliance Key Performance Indicators (KPIs), key risk indicators (KRIs), and operational metrics.

Prepare and deliver quarterly compliance reports directly to the U.S. Board of Directors and Global Head of Compliance.

Conduct annual Enterprise BSA/AML and OFAC Risk Assessments evaluating product, delivery channels, customers, payment methods, geography, and blockchain‑specific risks.

Develop and administer risk‑based BSA/AML and sanctions training for employees, analysts, management, and the Board, and maintain appropriate training records.

Ensure timely completion of applicable BSA reporting, recordkeeping, information‑request, and MSB‑registration obligations.

4. Workflow Management & Analyst Group Oversight

Officer has sufficient authority, budget, staffing, system access, and independence, including authority to elevate matters without management approval.

Provide functional oversight, quality assurance, and technical direction to group AML analysts handling U.S. alert backlogs, investigations, and customer due diligence (CDD/EDD).

Establish standardized investigation guidelines, decisioning trees, and escalation pathways for the analyst group.

Maintain final decision authority on high‑risk customer escalations, blocked transactions, and mandatory SAR filings.

Manage end‑to‑end Suspicious Activity Report (SAR) workflows, including quality reviews, narrative drafting, FinCEN filings, and recordkeeping compliance.

5. Licensing & Regulatory Advisory

Provide ongoing advisory to Executive Leadership, Product, and Engineering on evolving U.S. federal and state regulatory requirements.

Assess compliance readiness and support Legal and Licensing personnel supporting StateMoney Transmitter License (MTL) applications and maintenance, ensuring compliance controls align with state‑specific statutes.

Oversee FinCEN 314(a) mandatory searches and participate in 314(b) voluntary information‑sharing protocols.

6. Systems, Models & Third‑Party Oversight

Oversee the calibration, rule tuning, and threshold testing of transaction monitoring, identity verification (KYC), and blockchain analytics tools.

Validate and challenge third‑party compliance technology vendors, methodologies, and service level agreements (SLAs).

Maintain procedures for sanctions alert escalation, blocking or rejecting transactions when legally required, filing initial blocked‑property and rejected‑transaction reports within 10 business days, and completing annual blocked‑property reporting whenapplicable.

Qualifications & Requirements

• This is a hands‑on control and remediation role, not a policy‑only position. The officer will have functional authority to set investigation priorities, establish quality standards, require corrective action, and elevate material matters. Administrative management of shared analysts may remain with their existing managers, but compliance determinations may not be overridden by commercial or operational personnel.
• Experience:5+ years of dedicated BSA/AML compliance experience as a CCO or Deputy CCO within a fintech, Money Services Business (MSB), crypto platform, or regulated financial institution.
• Compliance Testing & QA:Demonstrated experience designing, implementing, or overseeing compliance monitoring and testing programs to proactively identify control gaps.
• Audit & Exam Track Record:Background in compliance audit/exam functions OR direct hands‑on experience leading state MTL/FinCEN examinations and third‑party independent audits.
• Remediation Expertise:Demonstrated experience designing, executing, and closing complex regulatory remediation plans, risk management, MAPs, and historical transaction lookbacks.
• Crypto & Web3 Knowledge:Deep understanding of blockchain analytics tools, digital asset typologies, and non‑custodial transaction architectures.
• Regulatory Knowledge:Expertise in the Bank Secrecy Act, USA PATRIOT Act, FinCEN regulations, OFAC sanctions, and state Money Transmitter laws.
• Certifications:Certified Anti‑Money Laundering Specialist (CAMS) or equivalent professional designation required.
• Skills:Strong analytical, narrative drafting, and executive communication skills with proven comfort presenting to Boards and regulators.

What We Offer

• Yearly performance‑based bonus (1-2 months’ salary).
• Yearly company trip with the team, meeting all your colleagues in‑person.
• Annual budget for the upgrading of skills.
• Become part of a fast‑paced environment where thought to action doesn’t require dozens of meetings with middle management.

***The candidate must reside in the United States***