BSA Compliance Specialist

2 weeks ago

Young America, United States The Ladders Full time
About The Ladders

The employee benefits landscape is in need of transformation. Organizations allocate substantial resources annually on benefits that employees often overlook or underutilize. Established in 2017, The Ladders aims to redefine this model by challenging conventional, uniform strategies.

The Ladders' adaptable benefits platform empowers organizations to provide attractive benefits packages while minimizing expenses and inefficiencies, allowing employees greater autonomy and flexibility in utilizing their benefit allowances. This solution also streamlines the workload for HR professionals, saving them valuable time in managing various solutions.

Through The Ladders, companies can choose from a diverse array of offerings, including Lifestyle Spending Accounts, Health Spending Accounts, Health Reimbursement Arrangements, Flexible Spending Accounts, and more, to create and implement tailored benefits programs—all through a unified platform. Employees can then opt to utilize their account funds via The Ladders Store, which features discounted products and services, The Ladders Visa Card, or request reimbursements supported by The Ladders' exceptional member support team.

The Ladders has partnered with numerous esteemed organizations, assisting them in designing and managing flexible, inclusive benefits programs for a vast workforce. The company boasts impressive metrics, including a 98% customer retention rate, a 75 NPS, and a 98 CSAT rating from members.

Backed by leading investors, The Ladders has garnered multiple accolades for its rapid growth, innovative software solutions, and recognition as a commendable workplace.

About the Role

The Compliance Officer will be responsible for architecting and executing The Ladders' compliance framework to align with banking and regulatory standards, while facilitating the organization's future expansion and product development. You will create, implement, and oversee fundamental components of a comprehensive regulatory compliance program. This will include formulating a strategic plan for the execution of initiatives, ensuring that all key stakeholders are engaged in the delivery process, and managing implementation in a responsive and risk-aware manner. You will oversee The Ladders' policies and procedures and act as the BSA officer for external obligations. This position offers a player-coach dynamic with potential for future growth into a leadership role within the compliance team.

Your Responsibilities
  • Develop and enforce policies and procedures to ensure adherence to the BSA, Anti-Money Laundering (AML) regulations, and other compliance mandates.
  • Create a holistic compliance program that encompasses risk assessments, training, and ongoing monitoring.
  • Examine transactions for any suspicious activities that may indicate money laundering, terrorist financing, or other illicit actions.
  • Prepare UAR (Unusual Activity Reporting) for banking partners for potential SAR filings.
  • Deliver training on BSA/AML regulations and the organization's policies and procedures.
  • Conduct regular audits and independent evaluations of the BSA/AML compliance program to verify its efficacy.
  • Serve as the primary liaison with regulatory agencies and banking partners concerning BSA/AML matters.
  • Maintain thorough documentation of compliance activities, including training sessions, audits, reports, and actions taken in response to suspicious activities.
  • Perform periodic risk assessments to identify and evaluate the organization's vulnerabilities to money laundering and financial crimes.
  • Report to senior management and the board on the status of the BSA/AML compliance program.
Preferred Qualifications
  • In-depth knowledge of the Bank Secrecy Act, Anti-Money Laundering (AML) regulations, USA PATRIOT Act, and other pertinent guidelines.
  • Familiarity with international AML standards, such as those established by the Financial Action Task Force (FATF).
  • Capability to analyze intricate data, recognize patterns, and identify unusual or suspicious activities.
  • Proficiency in compliance and transaction monitoring systems.
  • Meticulous attention to detail to ensure precise reporting and documentation.
  • Adeptness in scrutinizing transactions and customer behaviors for potential non-compliance indicators.
  • Strong written and verbal communication skills to effectively convey compliance requirements and findings to various stakeholders.
  • Ability to provide training and education to staff on BSA/AML subjects.
  • Skill in identifying compliance challenges and devising solutions to mitigate risks.
  • Critical thinking abilities to navigate complex regulatory issues.
  • Familiarity with financial compliance software and systems utilized for transaction monitoring and reporting.
  • Basic understanding of data analysis tools and methodologies.
  • Capability to conduct risk assessments and formulate risk mitigation strategies.
  • Comprehension of the risk landscape associated with money laundering and financial crimes.
Preferred Experience
  • 5-7 years of experience in a compliance role, ideally within the financial services sector.
  • Prior experience specifically in BSA/AML compliance or financial crime prevention is highly advantageous.
  • A bachelor's degree in finance, business administration, law, or a related discipline.
  • Advanced degrees or certifications, such as Certified Anti-Money Laundering Specialist (CAMS) or Certified Regulatory Compliance Manager (CRCM).
  • Experience collaborating with regulatory bodies or within regulated sectors.
  • Experience leading compliance teams or projects, including training and mentoring junior personnel.
  • Experience conducting audits, investigations, or assessments related to financial compliance.
Benefits and Perks
  • Remote-first work environment.
  • Comprehensive medical, dental, and vision insurance plans.
  • Employee wellness initiatives.
  • One-time home office allowance.
  • 401(k) retirement savings plan.
  • Flexible paid time off policy.
  • Parental leave policy including 12 weeks of leave plus an additional 4 weeks for the birthing parent.
At The Ladders, we embrace diversity and treat all employees and job applicants based on merit, qualifications, competence, and talent. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Responsibilities and duties may not encompass all aspects of the description, or may evolve over time at the discretion of The Ladders. We encourage you to apply even if your experience does not precisely align with the job description. Your skills and enthusiasm will be recognized and valued, especially if your career has taken unique paths. At The Ladders, we appreciate diverse viewpoints and individuals who think critically and are unafraid to challenge assumptions.

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