Equals Group
Senior Anti-Financial Crime & Compliance Manager - East Coast Remote
Equals Group, Lansing, Michigan, United States
This role can be based anywhere on the East Coast US - Remote.
Who we are
Equals Money has helped over a million customers move and manage their money. Our product portfolio enables low-cost multi-currency payments across various payment products. From travel money to transfers, currency hedging, to expense management, open banking to card acquiring, we are focused on making it easy for customers to manage and move their money. We deliver value to customers through advanced payments technology and personal expert service. With offices in London, Chester, Brussels, Amsterdam and Los Angeles, the Group operates a portfolio of successful brands including Equals Money, FairFX and Railsr in the UK and EU. You will join a close-knit, talented and supportive team from diverse backgrounds who believe that bringing different perspectives helps us understand our customers\' needs. United by one thing: making money management straightforward and cost-effective for our customers. About the Role
The Senior Anti-Financial Crime (AFC) & Compliance Manager (US)
will own and execute 2nd line of defence (2LOD) activities focused on financial crime prevention and compliance for the Group’s US business. The role holder will be the primary compliance contact for Group stakeholders and the US Sponsor Bank, and will own and continuously improve our US AFC/AML Program to ensure the Group meets regulatory obligations and Sponsor Bank requirements. The role holder will manage the AML/Compliance program, including coordinating and supporting AML/Compliance audits, preparing and implementing remediation plans, defining and delivering on key risk indicators, and ensuring the Sponsor Bank’s expectations are met in relation to the Group’s AML program (AML/CTF policies, procedures, risk assessments, testing, MI, Board reporting, etc.). The role holder will stay updated on developments and trends in the Regulatory and AFC compliance landscape in the US. The role holder will work closely with the Group and UK MLROs, Group Chief Compliance and Risk Officer (CCRO), and be part of the Group AFC function within 2LOD - Global Risk and Compliance (GRC). Responsibilities
Be the primary point of contact for Anti Financial Crime and Regulatory Compliance matters for the Group and its US Sponsor Bank. Maintain and execute the BSA/AML Compliance Program (risk assessment; CDD/KYC/KYB; EDD; ongoing monitoring; SAR management; training; independent testing). Oversee transaction monitoring tuning/governance and SAR/CTR workflows (investigation standards, narrative quality, filing timeliness) in line with US requirements. Run quality assurance and partner with Internal Audit/independent test functions on program effectiveness. Oversee all US specific Policies and Procedures e.g. Bank Secrecy Act/AML, Sanctions, Due Diligence, Transaction Monitoring, Investigations, Recordkeeping, Model Governance. Produce Management Information and other reporting for Group Risk & Compliance and maintain issues/actions logs; coordinate enterprise risk assessments relevant to financial crime. Ensure US AML training and competency requirements meet regulatory requirements. Track regulatory changes and advise on their impact on the business. Advise and guide the 1st line of defence (1LOD) in their daily tasks and decision-making. Support AFC related projects and change programmes as required across the Group. Support the Group AFC function in Group-wide projects and deliverables (across various jurisdictions) where necessary. Essential Skills
Minimum 5+ years of experience in Anti-Financial Crime Compliance roles in the financial services industry. Strong practical knowledge of the AML/CTF, Sanctions, Anti-bribery & Corruption (ABC) and Fraud frameworks within the US (Canada ideally). Strong judgement and decision-making skills. Ability to communicate effectively with a range of stakeholders, including banking partners, customers, law enforcement agencies and internal stakeholders. Relevant qualifications in AFC/AML/Compliance or a related field, e.g. CAMS. In-depth knowledge of main risks and typologies related to AML, CTF, Sanctions, ABC and Fraud. Experience of Regulatory Compliance, MSB/Banking licence applications and regulatory obligations would be a clear advantage. Equals Group strives to create a workplace where we can all be ourselves. We believe in inclusion, equality and diversity, and you\'ll be encouraged to bring your unique perspectives and experiences to do your best work.
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Equals Money has helped over a million customers move and manage their money. Our product portfolio enables low-cost multi-currency payments across various payment products. From travel money to transfers, currency hedging, to expense management, open banking to card acquiring, we are focused on making it easy for customers to manage and move their money. We deliver value to customers through advanced payments technology and personal expert service. With offices in London, Chester, Brussels, Amsterdam and Los Angeles, the Group operates a portfolio of successful brands including Equals Money, FairFX and Railsr in the UK and EU. You will join a close-knit, talented and supportive team from diverse backgrounds who believe that bringing different perspectives helps us understand our customers\' needs. United by one thing: making money management straightforward and cost-effective for our customers. About the Role
The Senior Anti-Financial Crime (AFC) & Compliance Manager (US)
will own and execute 2nd line of defence (2LOD) activities focused on financial crime prevention and compliance for the Group’s US business. The role holder will be the primary compliance contact for Group stakeholders and the US Sponsor Bank, and will own and continuously improve our US AFC/AML Program to ensure the Group meets regulatory obligations and Sponsor Bank requirements. The role holder will manage the AML/Compliance program, including coordinating and supporting AML/Compliance audits, preparing and implementing remediation plans, defining and delivering on key risk indicators, and ensuring the Sponsor Bank’s expectations are met in relation to the Group’s AML program (AML/CTF policies, procedures, risk assessments, testing, MI, Board reporting, etc.). The role holder will stay updated on developments and trends in the Regulatory and AFC compliance landscape in the US. The role holder will work closely with the Group and UK MLROs, Group Chief Compliance and Risk Officer (CCRO), and be part of the Group AFC function within 2LOD - Global Risk and Compliance (GRC). Responsibilities
Be the primary point of contact for Anti Financial Crime and Regulatory Compliance matters for the Group and its US Sponsor Bank. Maintain and execute the BSA/AML Compliance Program (risk assessment; CDD/KYC/KYB; EDD; ongoing monitoring; SAR management; training; independent testing). Oversee transaction monitoring tuning/governance and SAR/CTR workflows (investigation standards, narrative quality, filing timeliness) in line with US requirements. Run quality assurance and partner with Internal Audit/independent test functions on program effectiveness. Oversee all US specific Policies and Procedures e.g. Bank Secrecy Act/AML, Sanctions, Due Diligence, Transaction Monitoring, Investigations, Recordkeeping, Model Governance. Produce Management Information and other reporting for Group Risk & Compliance and maintain issues/actions logs; coordinate enterprise risk assessments relevant to financial crime. Ensure US AML training and competency requirements meet regulatory requirements. Track regulatory changes and advise on their impact on the business. Advise and guide the 1st line of defence (1LOD) in their daily tasks and decision-making. Support AFC related projects and change programmes as required across the Group. Support the Group AFC function in Group-wide projects and deliverables (across various jurisdictions) where necessary. Essential Skills
Minimum 5+ years of experience in Anti-Financial Crime Compliance roles in the financial services industry. Strong practical knowledge of the AML/CTF, Sanctions, Anti-bribery & Corruption (ABC) and Fraud frameworks within the US (Canada ideally). Strong judgement and decision-making skills. Ability to communicate effectively with a range of stakeholders, including banking partners, customers, law enforcement agencies and internal stakeholders. Relevant qualifications in AFC/AML/Compliance or a related field, e.g. CAMS. In-depth knowledge of main risks and typologies related to AML, CTF, Sanctions, ABC and Fraud. Experience of Regulatory Compliance, MSB/Banking licence applications and regulatory obligations would be a clear advantage. Equals Group strives to create a workplace where we can all be ourselves. We believe in inclusion, equality and diversity, and you\'ll be encouraged to bring your unique perspectives and experiences to do your best work.
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