Executes recurring compliance controls and day-to-day reviews for SEBβs New York Branch and SEB Securities, covering AML, sanctions, surveillance, reporting, training, and regulatory administration.
BSA/AML Officer - US
π Description
- Test BSA/AML, KYC, OFAC, and transaction monitoring controls independently and end to end.
- Rate findings as high, medium, or low and document supporting evidence.
- Analyze data directly and challenge thresholds, alert logic, and sampling assumptions.
- Track open issues through closure and escalate overdue items.
- Prepare for regulator exams and audits by identifying control weaknesses.
π οΈ Requirements
- Law degree (JD) or bar admission
- Degree in engineering, mathematics, statistics or another STEM field
- SQL: you can query transaction data yourself
- Python or R for analysis, sampling or testing alert logic
- Statistics: sampling design, hypothesis testing, threshold and model validation
- CAMS, CRCM, CIA, CISA, CPA or CFE
- Exposure to AI or model risk (SR 11-7, NIST AI RMF)
Full job description
About ARQ
ARQ is one of the fastest-growing fintechs in the world. Our mission is to redefine how people interact with money across borders, building the backbone to move value seamlessly. Weβre still early in our journey, which means every person who joins shapes the future of our product, culture, and growth. If youβre excited by big challenges, global impact, and the chance to grow fast with a world-class team, ARQ is the place to do it.
The job
You find risk, measure it and call it. You do not fix it.
Every finding you write answers three things: what is broken, how bad it is, and what evidence proves it. You don't soften the rating and you don't propose the remedy. The business owns the fix. You own the truth about the risk.
What you will do
Test our BSA/AML, KYC, OFAC and transaction monitoring controls end to end, independently of the teams that run them
Rate every finding (high / medium / low) with evidence that holds up in front of a regulator
Pull and analyze data yourself; you don't wait for someone to send you a report
Challenge thresholds, alert logic and sampling assumptions with numbers, not opinions
Track open issues until owners close them, and escalate when they don't
Prepare us for regulator exams and audits, and be the person in the room who already knows the weak spots
What you need (non-negotiable)
4+ years in BSA/AML, FinCrime, internal audit or regulatory compliance
Experience at a top-tier audit/advisory firm, in-house compliance, or both. Both is ideal.
You have written findings that a regulator, auditor or board actually read
You can say "this is high risk" to a senior leader and point to the regulation which proves it.
Deep working knowledge of the BSA, USA PATRIOT Act, OFAC and FinCEN expectations
Nice to have
Law degree (JD) or bar admission
Degree in engineering, mathematics, statistics or another STEM field
SQL: you can query transaction data yourself
Python or R for analysis, sampling or testing alert logic
Statistics: sampling design, hypothesis testing, threshold and model validation
CAMS, CRCM, CIA, CISA, CPA or CFE
Exposure to AI or model risk (SR 11-7, NIST AI RMF)
You will not enjoy this role if
You need someone else to pull the data for you
You round risk ratings down to keep people comfortable
You are uncomfortable being the person no one wants in the meeting
You uniform to the norm.
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