[Remote] BSA AML Program Manager

Note: The job is a remote job and is open to candidates in USA. Illumia provides integrated technology solutions for education, healthcare, and business campuses worldwide. The BSA/AML Program Manager will design, execute, and govern the company’s BSA/AML and KYC compliance programs, oversee financial crime risk controls, manage regulatory and sponsor bank relationships, and lead cross-functional program improvements.

Responsibilities

• Owns the end-to-end design, execution, and governance of Illumia’s BSA/AML and KYC programs, including written policies, procedures, and internal controls that meet regulatory expectations and scale with business growth
• Designs and operates the KYC/CIP/CDD framework, including enhanced due diligence for higher-risk customers and ongoing monitoring; maintains the enterprise-wide BSA/AML risk assessment ensuring controls keep pace with new products, channels, and jurisdictions
• Leads BSA/AML oversight of card issuing, acquiring, and payment facilitator (payfac) programs; owns sub-merchant and merchant onboarding, underwriting, and periodic review requirements, ensuring alignment with card network rules (Visa, Mastercard) and sponsor bank expectations
• Selects, implements, and optimizes the technology stack supporting the BSA/AML program, including transaction monitoring, sanctions/PEP screening, case management, and KYC/identity verification platforms; tunes detection scenarios and alert workflows to reduce false positives while maintaining coverage of risk typologies
• Builds the operational model for alert triage, investigations, SAR/CTR filing, and recordkeeping with defined SLAs, quality standards, and productivity metrics; partners with Technology and Data teams to ensure clean data feeds, system integrations, and auditable reporting
• Serves as primary point of contact for regulators, examiners, auditors, and sponsor bank partners; leads responses to regulatory exams, internal audits, and sponsor bank reviews, including findings remediation and corrective action plans
• Tracks regulatory developments (FinCEN, OFAC, federal banking agencies, state regulators) and translates changes into program updates; drives process and procedural change across Operations, Product, Client Success, and Professional Services, and builds BSA/AML training and awareness programs tailored to role-specific risk exposure

Skills

• 7+ years of recent BSA/AML and KYC experience in a bank, fintech, payments, or money services business, with direct accountability for program design and execution beyond policy authorship
• Demonstrated experience building a scalable and robust KYC and BSA/AML program from the ground up or through significant modernization
• Working knowledge of card processing and payfac program requirements, including sponsor bank obligations, card network rules, and sub-merchant/merchant onboarding and monitoring
• Demonstrated experience selecting and implementing BSA/AML program tools, including transaction monitoring, sanctions screening, KYC/identity verification, and case management platforms
• Proven leadership in driving change and implementing new processes and procedures successfully across multiple departments
• Strong written and verbal communication skills with the ability to communicate clearly with regulators, sponsor banks, executives, and cross-functional partners
• CAMS, CFCS, or equivalent financial crime compliance certification
• Experience in a high-growth fintech or payments company, particularly one operating under a sponsor bank model
• Background managing regulatory exams and responding to findings from federal or state banking regulators
• Experience serving as BSA Officer or deputy BSA Officer for a bank, fintech, or payments program
• Familiarity with OFAC sanctions programs, FinCEN guidance, and state money transmission requirements

Benefits

• Flexible time off to include paid holidays and volunteer time.
• Robust health, dental, and vision insurance plans on your first day of employment
• Employer-paid life insurance/AD&D/short-term and long-term disability insurance
• Comprehensive employee assistance program (EAP)
• Flexible spending account (FSA) or health savings account (HSA)
• Matched 401(k)
• Employee stock purchase plan

Company Overview