Head of Financial Crimes Risk Management

• •BSA/AML Program Leadership

Serve as the designated BSA Officer with direct Board reporting responsibility

Develop, implement, and maintain a risk-based BSA/AML compliance program aligned with regulatory requirements and industry best practices Oversee all aspects of the Bank Secrecy Act compliance program including policy development, risk assessments, independent testing, and training Present regular updates to the Board of Directors on program effectiveness, emerging risks, and remediation efforts Maintain relationships with FinCEN, federal and state banking regulators, and other supervisory agencies

• •OFAC & Sanctions Compliance

Design and oversee the sanctions screening and compliance program, ensuring adherence to OFAC regulations and other economic sanctions requirements

Coordinate sanctions-related reporting and regulatory inquiries

• •KYC & Customer Risk Management

Oversee customer identification program (CIP) and customer due diligence/enhanced due diligence (CDD/EDD) frameworks Manage customer risk rating, ongoing customer monitoring and periodic review processes

• •Transaction Monitoring & Investigations

Lead transaction monitoring program including scenario development, tuning, and optimization

Oversee investigation of alerts and identification of suspicious activity

Manage Suspicious Activity Report (SAR) and Currency Transaction Report (CTR) filing processes

Develop case management protocols and quality assurance procedures

• •Platform Partner Risk Management

Establish risk-based due diligence framework for platform partners and third-party issuers Monitor partner compliance with BSA/AML obligations and contractual requirements

Implement oversight and audit procedures for partner programs

• •Strategic & Operational Management

Build and lead a high-performing financial crimes team in a startup environment

Develop annual risk assessments and program testing schedules

Implement technology solutions for screening, monitoring, and case management

Establish key performance indicators and metrics for program effectiveness

Collaborate with Product, Engineering, and Operations on controls integration

Manage relationships with external vendors and service providers

• •Unlimited time off 🌴 Unlimited vacation can be daunting, so we require Rainmakers to take 10 days minimum for themselves.
• •Flexible working ☕ We support a flexible workplace, if you feel comfortable at home please work from home. If you’d like to work with others in an office feel free to come in. We want everyone to be able to work in the environment in which they are their most confident and productive selves. New Rainmakers will have a stipend to create a comfortable atmosphere at home.
• •Easy to access benefits 🧠 For US Rainmakers, we offer comprehensive health, dental and vision plans for you and your dependents, as well as a 100% company subsidized life insurance plan.
• •Retirement goals💡 Plan for the future with confidence. We offer a 401(k) with a 4% company match.
• •Equity plan 📦 We offer every Rainmaker an equity option plan so we can all benefit from our success.
• •Rain Cards 🌧️ We want Rainmakers to be knowledgeable about our core products and services. To support this mission, we issue a card for our team to utilize the card for testing.
• •Health and Wellness 📚 High performance begins from within. Rainmakers are welcome to use their card for eligible health and wellness spending like gym memberships/fitness classes, massages, acupuncture - whatever recharges you!
• •Team summits ✨ Summits play an important role at Rain! Time spent together helps us get to know each other, strengthen our relationships, and build a common destiny. Expect team and company offsites both domestically and internationally.

• •10+ years of progressive experience in BSA/AML compliance, with at least 5 years in a leadership role
• •Previous experience serving as a BSA Officer or in a similar capacity with regulatory reporting responsibilities
• •Deep expertise in BSA/AML regulations, OFAC sanctions, FinCEN guidance, and relevant federal banking laws
• •Proven track record building modern, technology-enabled risk management and compliance functions
• •Experience leading investigative teams that prepare regulatory reports (SARs, CTRs, 314(a) requests)
• •Strong understanding of card issuing, payment processing, or banking operations
• •Experience managing regulatory examinations and audits
• •Demonstrated ability to build compliance programs in high-growth or startup environments
• •Excellent communication skills with ability to present to Board-level audiences

• •Advanced degree (MA, MBA, JD, or relevant field)
• •Experience in fintech, digital assets, or emerging payment technologies
• •Knowledge of stablecoin operations, cryptocurrency compliance, or virtual asset regulations
• •Familiarity with fintech and global specific risk scenarios and typologies
• •Prior experience at a federal banking regulator or enforcement agency
• •CAMS (Certified Anti-Money Laundering Specialist) certification