BSA/AML Manager

The Job

We’re looking for a detail-oriented and analytical BSA/AML professional to help strengthen Cardless’s financial crime compliance program. This role ensures that Cardless’s credit card programs operate in full compliance with the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) regulations, and related financial crime laws.

As a BSA/AML Manager, you’ll play a critical role in monitoring transactions, identifying suspicious activity, and maintaining robust compliance systems that protect Cardless and its customers. You’ll collaborate closely with teams across risk, operations, fraud, customer support, and product to develop effective controls, support investigations, and ensure regulatory obligations are consistently met.

This is a high-impact role for someone who thrives on investigative work, regulatory precision, and continuous improvement in a fast-paced fintech environment.

Responsibilities

- Conduct ongoing transaction monitoring and analysis to detect unusual or suspicious patterns that may indicate money laundering or other illicit activity.

- Investigate alerts and file Unusual Activity Referrals (UARs) with our bank partners.

- Perform Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) reviews for both new and existing customers, ensuring full compliance with Know Your Customer (KYC) requirements.

- Review customer and transactional data for compliance with sanctions programs, including those administered by OFAC and other global regulators.

- Support the development, implementation, and enhancement of BSA/AML and sanctions policies, procedures, and internal controls.

- Conduct periodic risk assessments to evaluate money laundering, terrorist financing, and sanctions exposure across Cardless programs.

- Maintain accurate, audit-ready documentation and assist with regulatory examinations or partner bank reviews.

- Collaborate with internal stakeholders to ensure operational and product processes align with applica...