Apply on Employer Site

Flex · 17 hours ago

Financial Crimes Manager

United States

Full-time

Remote

Senior Level

$140K/yr - $180K/yr

5+ years exp

Flex is building a finance super app for premium business owners, aiming to transform financial workflows and services for entrepreneurs. The Sr. Manager - Financial Crimes Compliance will lead the development of financial crime risk management capabilities, focusing on AML/BSA, sanctions, KYC/CIP, and fraud risk management.

BankingCredit CardsFinTechPayments

Responsibilities

Partner with product, risk, operations, engineering, and business teams to develop, implement, and refine policies, controls, and workflows across AML/BSA, Sanctions/OFAC, CIP/KYC, CDD/EDD, transaction monitoring, and fraud

Build and enhance transaction monitoring and fraud detection capabilities, including rules, thresholds, typology development, alert handling procedures, QA, and documentation to support regulatory expectations and operational efficiency

Lead the design and oversight of internal and vendor-based screening/monitoring tools (KYC, sanctions, transaction monitoring, fraud tools), ensuring effective tuning, governance, change management, and continuous improvement

Analyze trends across AML alerts, suspicious activity, account behavior, fraud attempts, chargebacks, and transactional anomalies to identify emerging threats, recommend remediations, and drive control enhancements

Stand up and refine fraud response processes including case handling, escalation protocols, and cross-functional incident response collaboration

Manage and prioritize projects across financial crimes scope, establishing operational cadence and driving coordination between technical, legal, data, and operations stakeholders

Track regulatory, legal, and industry developments related to BSA/AML, KYC, OFAC, fintech financial crime, and fraud; translate requirements into practical program updates and business guidance

Support the BSA Officer in evolving Flex’s Financial Crimes Program, including policy documentation, risk assessments, governance reporting, and annual program reviews

Develop and deliver training programs supporting AML, sanctions, fraud awareness, transaction monitoring, and financial crime obligations across the organization

Perform periodic assessments and thematic risk reviews to identify gaps, vulnerabilities, and control performance opportunities; propose targeted enhancements

Serve as a key advisor to stakeholders across the company on AML, sanctions, KYC, and fraud risk matters; escalate issues appropriately and with clarity

Support internal audits, bank partner reviews, and regulatory examinations, and coordinate remediation efforts where findings arise

Design and maintain reporting and dashboards communicating program performance, key risk indicators, trends, and outcomes to senior leadership and partners

Qualification

Financial crime complianceAML/BSA regulationsFraud risk managementTransaction monitoringKYC/CIP requirementsData analysisVendor managementCommunication skillsProblem-solvingAttention to detail

Required

5–8+ years of experience in financial crime compliance, AML/BSA, fraud risk management, transaction monitoring, or a related risk function within fintech, financial services, or a regulated payments environment

Strong understanding of BSA/AML, OFAC/sanctions, KYC/CIP, CDD/EDD requirements, and how they apply to fintechs and bank partnerships

Experience designing, implementing, or maturing financial crime controls, including program documentation, monitoring frameworks, workflows, governance, and reporting structures

Hands-on experience with transaction monitoring and/or fraud detection programs, including rule strategy, tuning, alert handling, investigations, typologies, and playbook development

Demonstrated ability to analyze data and trends, synthesize insights, and translate signals into practical risk mitigation actions

Comfortable working with vendors and technology platforms (KYC, sanctions screening, fraud detection, transaction monitoring tools), including evaluating performance and driving continuous improvement

A builder mindset—you thrive in environments where programs are evolving, structure needs to be created, and you can balance regulatory expectations with practical execution

Exceptional communication and stakeholder partnership skills, with the ability to influence, educate, and collaborate across legal, product, engineering, operations, and leadership teams

Strong judgment and risk-based thinking—able to navigate ambiguity, make sound decisions, and escalate when appropriate

Attention to detail with the ability to manage multiple priorities and execute in a fast-moving, high-growth environment

Commitment to maintaining the highest standards of integrity, accountability, and professionalism in support of Flex's mission and customers