Credit Key is the leading provider of flexible payments for B2B transactions. We empower businesses to offer their customers greater access to capital with flexible payment terms, revolutionizing the way companies finance their operations.
We are seeking an experienced Sr. Compliance Analyst with a strong focus on Anti-Money Laundering (AML) / Countering the Financing of Terrorism (CFT) compliance to support our business and bank sponsorship partner. This role is critical in developing, implementing, and maintaining AML/CFT processes, conducting risk assessments, and ensuring regulatory compliance across our business and bank sponsorship partner.
Reporting to the VP of Compliance, the Sr. Compliance Analyst will play a key role in monitoring, testing, and enhancing AML/CFT compliance frameworks while also contributing to broader compliance initiatives such as Office of Foreign Assets Control (OFAC) risk assessments, SOC compliance, and vendor management. The ideal candidate will bring a deep understanding of compliance regulations in the bank industry, as well as a proactive approach to managing risks.
What you'll do:
Design, implement, and maintain AML/CFT policies, procedures, and controls to ensure compliance with federal and state regulations.
Conduct AML/CFT and OFAC risk assessments, identifying potential risks and recommending mitigation strategies.
Lead the monitoring and testing of AML/CFT controls across the business, identifying areas for improvement.
Develop and manage AML/CFT training programs for internal teams.
Establish and enhance ongoing monitoring and testing processes to evaluate the effectiveness of the AML/CFT compliance program.
Conduct enhanced due diligence (EDD) reviews and investigations of high-risk merchants and borrowers..
Monitor suspicious activity transactions and file suspicious activity referrals with the bank partner, as appropriate
Prepare compliance reports for senior leadership and regulatory bodies as required.
Assist in managing SOC compliance efforts, ensuring adherence to industry standards.
Support vendor due diligence and ongoing monitoring for third-party service providers.
Stay current with regulatory developments, including guidance from FinCEN, OFAC, FDIC, OCC, and other relevant agencies.
Collaborate with internal stakeholders to ensure the business meets regulatory and bank partner expectations.
Assist the VP of Compliance with regulatory examinations, audits, and reporting obligations.
What we look for:
3 - 5 years of experience in a compliance role, preferably within fintech, bank sponsorship, or financial services.
In-depth knowledge of AML/CFT, OFAC, and other Regulations of ECOA/Fair Lending, FCRA/FACTA, SCRA, FDCPA and risk assessments.
Experience in compliance monitoring, testing, and regulatory reporting.
Familiarity with SOC compliance, vendor management, and third-party risk oversight.
Strong analytical skills with the ability to assess risk and implement practical solutions.
Excellent communication and collaboration skills to work with internal teams, bank sponsor partnerships, and auditors.
Must be a self-starter with the ability to work independently in a fast-paced environment.
Certifications such as CAMS (Certified Anti-Money Laundering Specialist) or CRCM (Certified Regulatory Compliance Manager) are a plus.
Why you want to work with us:
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