Manager of Financial Crimes & Enterprise Risk Management, Earnin
$95-130k
+ Equity
Paycheck advance service for employees
Be an early applicant
Paycheck advance service for employees
201-500 employees
Be an early applicant
$95-130k
+ Equity
201-500 employees
Company mission
Earnin’s mission is to build a financial system that works for people.
Role
Who you are
- The ideal candidate brings a customer-first mindset, operates with urgency and accountability, and builds a high-performing, collaborative team environment
- 6+ years of experience in Financial Crimes Compliance, BSA/AML, Sanctions, or related risk/compliance functions within fintech, banking, or financial services, with 1+ years of direct people management experience
- Strong working knowledge of BSA/AML and Sanctions regulations (BSA, USA PATRIOT Act, AMLA, FinCEN, OFAC) and experience supporting audits, regulatory exams, and internal compliance testing
- Experience leading regulatory change implementation and/or compliance issue remediation programs, including sustainable control enhancements
- Demonstrated ability to manage team operations, set tactical priorities, and drive consistent, high-quality execution in a fast-paced environment
- Strong decision-making and problem-solving skills, with the ability to assess risk, gather input, and act with appropriate urgency
- Proven ability to provide clear, actionable feedback, address performance issues constructively, and develop team members
- Track record of improving processes, identifying inefficiencies, and implementing scalable, data-driven solutions
- Ability to build strong cross-functional partnerships and influence stakeholders without formal authority
- Excellent analytical, organizational, written, and verbal communication skills, with the ability to clearly document complex investigations and regulatory analyses
- High integrity, professionalism, and discretion in handling sensitive information
- ACAMS, CFE, CRCM or similar certification are strongly preferred
- Bachelor’s degree or equivalent professional experience required
What the job involves
- EarnIn is seeking a highly motivated and experienced Manager, Financial Crimes and Enterprise Risk Management to lead and continuously enhance our Financial Crimes Compliance Program, including BSA/AML and Sanctions, Regulatory Change Management for all of compliance, and Compliance Issue Management
- This role sits within the Enterprise Risk Management function and is responsible for managing the day-to-day execution of core financial crimes compliance activities while driving tactical improvements that strengthen controls and support scalable growth
- The Manager will lead a team of compliance professionals and serve as a key partner to Fraud Operations, Risk, Product, Engineering, Legal, and other cross-functional stakeholders
- This role requires a strong understanding of financial crimes regulations, operational execution, and the ability to translate regulatory expectations into actionable controls and sustainable processes
- Lead the day-to-day execution and continuous enhancement of EarnIn’s Financial Crimes Compliance Program, including BSA/AML and Sanctions
- Oversee AML investigations, sanctions screening, SAR/UAR decisioning, and case quality to ensure regulatory compliance and audit readiness
- Drive the BSA/AML and Sanctions risk assessment process, ensuring risks are clearly identified, documented, and effectively mitigated
- Oversee transaction monitoring rule development, tuning, testing, and optimization in partnership with Risk, Data, and Engineering
- Maintain and enhance policies, procedures, and playbooks to align with evolving regulatory requirements and business changes
- Act as an escalation point for complex investigations, potential sanctions matches, and high-risk matters
- Lead compliance issue management, including intake, tracking, remediation, and reporting of findings from audits, monitoring, and regulatory exams
- Develop clear, accountable remediation plans with defined timelines, measurable outcomes, and sustainable control improvements
- Promote strong root cause analysis to prevent repeat findings and strengthen the overall control environment
- Oversee regulatory change management, assessing new or updated laws and guidance (e.g., BSA, AMLA, OFAC, FinCEN) and driving timely implementation across policies, processes, and systems
- Provide clear, regular updates to leadership and stakeholders on program health, remediation status, and emerging risks
- Manage and develop a team of compliance professionals by setting clear expectations, providing actionable feedback, and supporting growth
- Set and execute near-term strategic plans, monitor workload and performance, and ensure consistent, high-quality delivery
- Foster a collaborative, accountable team culture and serve as a trusted cross-functional partner to promote a strong culture of compliance
Our take
Paying bills is an inevitable part of life, but paying them late or dipping into overdrafts can result in fees. This is the reality for millions of workers who have to wait for their paychecks to arrive – and the problem that companies like EarnIn are trying to solve. By allowing hourly workers access to their pay as it is earned rather than on a fixed date, it hopes to provide all Americans with the ability to deal with immediate costs without going into arrears.
Unlike competitors in this growing space, such as Dave, Earnin charges no mandatory fees, instead gaining revenue through a voluntary tipping system. It also requires no credit checks to access its services, which puts it ahead of the growing number of digital banking solutions. This approach has garnered it a strong user base of over 300,000 business customers who offer Earnin as an employee benefit. Around 70 million paycheck advances were taken through the platform in 2022 alone, totalling $5 billion. Since then, this number has grown to an overall earnings access value of $15 billion.
Earnin is growing despite current difficulties in the wider tech landscape and is continuing to hire in all departments. It will continue to improve upon its offering and expand its network of businesses, aiming to give every employee in America control of the money they've earned.
Freddie
Company Specialist at Welcome to the Jungle
Insights
42% employee growth in 12 months
Company
Funding (last 2 of 4 rounds)
Dec 2018
$125m
SERIES C
Sep 2017
$39m
SERIES B
Total funding: $190.1m
Company benefits
- 401k
- FSA
- Mental health resources
- Employee Resource Groups
- Stipend for growth opportunities
- Pet friendly office
- Work from home opportunities
- Health insurance
Company HQ
Evergreen Park, Palo Alto, CA
Leadership
Ram Palaniappan
(Founder & CEO)Was Senior Operations Manager at Reflect.com, a P&G company. Served as President of UniRush from 2004 to 2012.
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