BSA Compliance Specialist

2 weeks ago

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

The landscape of employee benefits is evolving. Organizations invest significantly in benefits that may not resonate with their workforce. Established in 2017, The Ladders aims to redefine this paradigm by moving away from traditional, uniform solutions.

Our innovative benefits platform empowers organizations to create attractive benefits offerings while optimizing expenditures and minimizing inefficiencies, allowing employees greater autonomy in utilizing their benefit allocations. The platform also streamlines HR operations, saving valuable time in managing diverse solutions.

With The Ladders, companies can choose from a variety of offerings, including Lifestyle Spending Accounts, Health Spending Accounts, Health Reimbursement Arrangements, Flexible Spending Accounts, and more, to craft tailored benefits programs—all accessible through a unified platform. Employees enjoy multiple options for utilizing their account funds: the Ladders Store featuring discounted products and services, the Ladders Visa Card, or reimbursement claims supported by our exceptional member service team.

We have partnered with numerous esteemed organizations, helping them establish and maintain flexible, inclusive benefits programs for a vast employee base. Our success is reflected in our impressive customer retention rates and outstanding satisfaction scores.

The Ladders is supported by leading venture capital firms and has garnered recognition for its rapid growth, innovative software solutions, and as a top workplace.

About the Role

The Compliance Officer will be responsible for developing and executing The Ladders' compliance framework to adhere to banking and regulatory standards, facilitating the company's growth and product advancements. You will create, implement, and oversee essential components of a comprehensive regulatory compliance strategy. This role includes formulating a roadmap for the execution of initiatives, ensuring all relevant stakeholders are engaged in the delivery process, and managing execution in a flexible and risk-aware manner. You will oversee The Ladders' policies and procedures and act as the BSA officer for external obligations. This position is a blend of hands-on and leadership responsibilities, with potential for future team expansion.

Key Responsibilities
  • Develop and enforce policies and procedures to ensure adherence to the BSA, Anti-Money Laundering (AML) regulations, and other applicable laws.
  • Create a thorough compliance program encompassing risk assessments, training, and ongoing monitoring.
  • Examine transactions for any suspicious activities that may suggest money laundering, terrorist financing, or other illicit actions.
  • Prepare Unusual Activity Reports (UAR) for banking partners for potential Suspicious Activity Report (SAR) submissions.
  • 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 detailed records 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) laws, USA PATRIOT Act, and other relevant regulations.
  • Familiarity with global AML standards, such as those established by the Financial Action Task Force (FATF).
  • Ability to analyze complex data, identify trends, and detect unusual or suspicious activities.
  • Proficiency in compliance and transaction monitoring systems.
  • Strong attention to detail for accurate reporting and documentation.
  • Capability to scrutinize transactions and customer behaviors for potential non-compliance.
  • Excellent 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 topics.
  • Aptitude for identifying compliance issues and formulating solutions to mitigate risks.
  • Critical thinking skills to navigate complex regulatory challenges.
  • Familiarity with financial compliance software and systems used for transaction monitoring and reporting.
  • Basic understanding of data analysis tools and techniques.
  • Experience in conducting risk assessments and developing risk mitigation strategies.
  • Understanding 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 working with regulatory bodies or within regulated sectors.
  • Experience managing compliance teams or projects, including training and mentoring junior staff.
  • Experience conducting audits, investigations, or assessments related to financial compliance.
Benefits and Perks
  • Remote-first working environment.
  • Medical, dental, and vision insurance plans.
  • Employee wellness program.
  • One-time home office stipend.
  • 401(k) savings plan.
  • Flexible PTO policy.
  • 12 weeks Parental Leave + 4 additional weeks for the Birthing Parent.
At The Ladders, we prioritize 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 may evolve over time at the discretion of The Ladders. We encourage applications from individuals whose experiences may not align perfectly with the job description, as diverse skills and passions can set candidates apart.

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