Anti-Financial Crime

NinjaHoldings was founded in 2017 by a team seeking to revolutionize the way everyday Americans interact with financial services. Through our CreditNinja and NinjaCard brands, we empower people overlooked by traditional financial institutions to take control of their finances via a full suite of digital banking and lending products, providing incentives and rewards along the way as we guide them on a path to financial improvement. Through our EDGE brand, we help companies better understand their customers by offering a package of bespoke underwriting, fraud detection, and analytics services. With offices in Chicago, Miami, and around the world through the power of remote work, we are a lean and innovative team always seeking like-minded talent to join us in our fight to disrupt consumer finance.Key Responsibilities:Serves as the company's Anti-Financial Crime (AFC) officer and manages the company's anti-financial-crime (AFC) / anti-money-laundering (AML) / countering terrorist financing (CTF) programReports to the Chief Compliance Officer and provides periodic reporting directly to the board on the effectiveness of the controls contained in the company's AFC/AML/CTF programRelative to the company's AFC/AML/CTF program, performs an annual AFC risk assessment for all company products and business lines, identifies inherent risks, designs mitigating controls, and develops a final assessment report to share with executive management and the BoardPrepares for and participates in annual audits conducted by independent third partiesServes on the company's Compliance Committee and reports monitoring-and-testing findings and remediation plans to both the committee and the board. Advises the committee of any upcoming regulatory changes concerning the company's AFC/AML/CTF obligationsDevelops, manages, and oversees an effective internal AFC compliance training program including appropriate introductory training for new employees as well as ongoing training for all employees and board membersOversees the transaction monitoring system to identify and escalate unusual activity. Performs a calibration of transaction monitoring rules on a risk basis; reports unusual activity to partnersMonitors transactions for unusual activity and investigates potential financial crimesPerforms regular monitoring and testing of the AFC program and effectively collaborates with partners for AFC oversightMaintains a regulatory applicability matrix for statutes and regulations covering Customer Identification Program (CIP), Customer Due Diligence (CDD), identification and escalation of unusual activity, searches conducted under Office of Foreign Asset Control (OFAC) regulations or Section 314(a) of the PATRIOT ACT, and OFAC/sanctions complianceDrafts written AFC compliance policies-including detailed procedures and job aids, where appropriate-for the company's AFC/AML/CTF program. Obtains the board's annual review and approval of those policiesStays up-to-date on regulatory changes and best practicesRequirementsBachelor's degree7+ years of experience in managing an anti-financial-crime / anti-money-laundering / counter-terrorist financing program in the financial services industryDeep subject matter knowledge of statutes and regulations designed to combat financial crimes and terrorist financing, including : anti-financial-crime (AFC) laws, anti-money laundering (AML) laws, countering the financing of terrorism (CFT) laws, the Bank Secrecy Act (BSA), and sanctions rules and regulationsStrong knowledge of banking regulations, compliance frameworks, and industry best practicesAbility to develop and implement AFC compliance strategies and drive organizational change; understands role as a challenge function to the businessDemonstrated experience in leading AFC compliance teams and managing complex AFC initiativesExcellent decision making, analytical and investigative abilities with attention to detail and accuracyStrong written and verbal communication skills and effective organizational abilitiesExcellent leadership, communication, and interpersonal skillsAdditional Pluses, but not requirementsCAMS, CFE, CAFP designation or other industry recognized AFC certificationDirect experience engaging with regulators (FDIC, OCC, FRB, CFPB, state consumer credit administrators)Benefits:Competitive salary and benefits packageFlexible, remote workFun, fast-paced work environmentDynamic start-up cultureAbility to make an immediate impact in a growth stage companyConvenient downtown Chicago office located in the heart of the cityEqual opportunity employerIMPORTANT NOTICE:Please carefully review communications to ensure that they are from the official Breezy applicant tracking platform (@breezy-mail.com) or an official NinjaHoldings brand email: @ninjaholdings.com, @creditninja.com, @ninjacard.com, or @edgescore.com. If you have been contacted regarding a job opening at NinjaHoldings from any other email address, including similar email variations, this is NOT a trusted source. We recommend that you refrain from responding to suspicious emails and file a complaint with the FBI's Internet Crime Compliant Center (IC3) at . For questions or to confirm the authenticity of a communication, please email hr @ ninjaholdings.com.