US BSA / AML and Sanctions Officer

AML Talent, the recruitment arm of Sentinence. Who We AreOur 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 DirectorsKey Responsibilities 1. Proactive Compliance Monitoring & Gap AnalysisDesign, execute, and manage an ongoing BSA/AML/Sanctions compliance programProactively evaluate control effectiveness across business lines, identifying operational gaps, edge-case risk vulnerabilities, and any emerging risks before they escalate.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 ExaminationsServe 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 ReportingBuild, maintain, and continuously update U.S. BSA/AML, OFAC Sanctions policies, 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 OversightOfficer has sufficient authority, budget, staffing, system access, and independence, including authority to escalate 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 AdvisoryProvide 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 State Money 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 OversightOversee 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 when applicable.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 escalate 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● Competitive salary.● 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***