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EI

Senior AML & Lending Compliance SME

Expert In Recruitment Solutions
🇺🇸 United States
Remote
Senior
3 weeks ago
  • AML
  • KYC
  • BSA/AML
  • OFAC
  • Regulatory Compliance
  • CMS
  • FCRA
  • CAMS
  • CFE
3 weeks ago
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Our client is seeking aSenior AML & Lending Compliance SME / Senior Consultant to provide senior-level guidance, independent challenge, and regulatory expertise across AML/BSA, KYC, financial crime, and consumer lending compliance. The consultant will assess AML and regulatory risks across customer onboarding and the lending lifecycle, evaluate the effectiveness of controls, support investigations and escalations, and provide actionable recommendations to strengthen the overall compliance program.
Responsibilities
  • Provide senior-level AML/BSA and lending compliance guidance and independent challenge across governance frameworks, products, processes, and control environments.
  • Lead and advise onKYC, Customer Identification Program (CIP), Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), customer risk assessments, and high-risk customer reviews.
  • Reviewtransaction monitoring alerts, investigations, and escalations, analyze potentially suspicious activity and transaction patterns, and provide guidance on appropriate disposition and escalation.
  • Prepare, review, and provide quality oversight ofSuspicious Activity Reports (SARs), including investigative analysis and supporting narratives.
  • Assess compliance withBSA/AML, FinCEN, OFAC, USA PATRIOT Act, sanctions requirements, and applicable financial-crime regulations and regulatory guidance.
  • Evaluate AML and financial-crime controls across consumer lending activities, includingcustomer onboarding, application intake, identity verification, loan origination, servicing, payments, and collections.
  • Assess compliance and control implications of new products, customer types, delivery channels, system changes, and evolving regulatory requirements.
  • Perform and/or overseeAML and compliance risk assessments, control assessments, monitoring/testing, gap analysis, and issue identification.
  • Identify material AML, regulatory, operational, and consumer-risk issues and support escalation, root-cause analysis, corrective-action planning, and remediation.
  • Review AML and compliancepolicies, procedures, standards, monitoring practices, and control frameworksand recommend enhancements where necessary.
  • Supportregulatory examinations, internal audits, investigations, and remediation initiatives, including preparation and review of supporting documentation and responses.
  • Partner with Legal, Compliance, Risk, Operations, Product, Technology, and business stakeholders to strengthen AML and lending compliance controls.
  • Develop and present compliance dashboards, risk reporting, investigation trends, issues, and remediation status to senior management and other governance stakeholders.
  • Provide guidance and mentorship to AML/compliance analysts and support improvements to investigative quality, consistency, and compliance processes.
Requirements
  • 15–20+ years of AML/BSA, KYC, Financial Crime, or regulatory compliance experience within banking, lending, fintech, or broader financial services.
  • Deep hands-on expertise inKYC, CIP, CDD, EDD, customer risk rating, transaction monitoring, alert review, investigations, SARs, and AML risk assessments.
  • Strong knowledge ofBSA/AML, FinCEN, OFAC, USA PATRIOT Act, sanctions, and related financial-crime regulatory requirements.
  • Experience supporting AML/BSAregulatory examinations, audits, issue management, and remediation.
  • Strong understanding ofCompliance Management Systems (CMS), risk assessments, control frameworks, monitoring/testing, and policy governance.
  • Experience assessing AML and financial-crime risks withinconsumer lending and/or banking products and processes strongly preferred.
  • Familiarity with applicable consumer lending regulations, includingECOA/Reg B, FCRA/Reg V, UDAAP/UDAP, SCRA, TILA/Reg Z, and FDCPA/Reg F, is highly desirable.
  • Demonstrated ability to independently assess complex compliance issues, challenge existing controls, and provide practical recommendations to senior stakeholders.
  • Strong investigative, analytical, documentation, and written communication skills, including experience preparing or reviewing SAR narratives.
  • Experience working cross-functionally withLegal, Compliance, Risk, Operations, Product, Technology, and senior leadership.
  • Experience mentoring or providing quality oversight to AML/compliance analysts is preferred.
  • CAMS, CFE, CRCM, or similar compliance/financial-crime certifications.

Senior AML & Lending Compliance SME · Expert In Recruitment Solutions

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