BSA/AML Consumer Lending Principal Business Accountability Specialist

About this role:

The BSA/AML Principal Business Accountability Specialist serves as a pivotal figure in ensuring the bank's adherence to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) standards, and OFAC sanctions regulations. Reporting to the Head of Consumer Lending's BSA/AML Program, this role supports all facets of financial crimes risk across consumer lending including credit card, auto, home, personal loans, retail services, and merchant services.

The role acts as an advisor, strategist, and technical expert, guiding the Consumer Lending team and business units in the interpretation and application of BSA/AML/OFAC regulations. This includes providing operational insight, shaping program adherence, and leading initiatives to enhance the effectiveness and sustainability of the compliance program.

In this role, you will:

• Advise business leaders on BSA/AML/OFAC matters, ensuring operational needs are translated into effective program requirements and controls.
• Support business engagement in comprehensive risk assessments, including Enterprise-Wide and Targeted Risk Assessments, tailored to products, geographies, channels, and customer segments.
• Evaluate, design, and enhance risk controls, addressing gaps and deficiencies to strengthen the bank's risk posture.
• Develop and maintain robust policies, procedures, and training programs, ensuring alignment with evolving regulatory standards and internal expectations.
• Monitor regulatory developments and support audit and examination readiness, including crafting responses to regulatory inquiries and remediating findings.
• Provide ongoing training, establish clear escalation paths, and foster a culture of compliance across the organization.
• Engage with analytics and operations teams to support risk identification, transaction monitoring, and quality reporting.
• Oversee the collection and continuous improvement of compliance documentation and artifacts.

• 10+ years of risk management, business controls, quality assurance, business operations, compliance, or process experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• Bachelor's degree in Business, Finance, Risk Management, or related discipline.
• At least 5-7 years of experience in BSA/AML compliance, financial crimes risk management, or regulatory affairs, preferably within consumer lending.
• Comprehensive understanding of BSA/AML/OFAC regulations and industry best practices.
• Experience with risk assessments, control testing, and regulatory reporting.
• Excellent communication, analytical, and project management skills.

• Demonstrated success advising on BSA/AML compliance for consumer lending, including credit card, auto, home, personal loans, retail services, and merchant services.
• Proven ability to navigate regulatory expectations from key agencies such as OCC, CFPB, and FinCEN.
• Experience with transaction monitoring systems, customer due diligence (CDD), and suspicious activity reporting (SAR).
• Strong track record of remediating regulatory findings and enhancing program maturity.
• CAMS or CRCM certification preferred.

• Health benefits
• 401(k) Plan
• Paid time off
• Disability benefits
• Life insurance, critical illness insurance, and accident insurance
• Parental leave
• Critical caregiving leave
• Discounts and savings
• Commuter benefits
• Tuition reimbursement
• Scholarships for dependent children
• Adoption reimbursement