Bank Secrecy Act (BSA) Officer & AML/Sanctions Team Lead, Kikoff
$120-200k
+ equity
Personal finance & credit building platform
Be an early applicant
Personal finance & credit building platform
101-200 employees
Be an early applicant
$120-200k
+ equity
101-200 employees
Company mission
To empower everyone to achieve financial security, no matter where they're starting from.
Role
Who you are
- 7+ years of progressive experience in BSA, AML, and OFAC compliance
- Prior experience serving as a BSA Officer, Deputy BSA Officer, or equivalent leadership role at a bank, fintech, BaaS provider, or sponsor-bank program
- Demonstrated experience leading regulatory examinations and remediating examination findings from federal or state regulators
- Deep understanding of regulatory frameworks governing bank-fintech partnerships, including CIP reliance, third-party risk management, and sponsor bank oversight
- Experience building or scaling transaction monitoring and sanctions screening programs, including implementation or optimization of solutions such as Sardine, Alloy, Unit21, ComplyAdvantage, or similar platforms
- Proven people leadership experience with a track record of hiring, mentoring, and developing compliance professionals
- CAMS certification (or equivalent) preferred
- JD or comparable legal or regulatory background is a plus
- Comfortable operating in a fast-paced startup environment where you'll build processes while helping execute them
What the job involves
- Kikoff is seeking an experienced BSA Officer who will also serve as the leader of our AML and OFAC sanctions compliance function. Reporting to the Head of Compliance, you will own the design, implementation, and day-to-day operation of Kikoff's BSA/AML and sanctions program across our bank-partner ecosystem
- This is a highly impactful leadership role for someone who enjoys both building programs and remaining close to the work. You'll help shape our compliance strategy while also reviewing complex investigations, partnering with regulators and sponsor banks, and building a high-performing compliance team as Kikoff continues to grow
- Serve as Kikoff's designated BSA Officer, with authority and accountability for the BSA/AML compliance program under applicable regulations and sponsor bank requirements
- Own and continuously enhance Kikoff's BSA/AML program, including:
- Enterprise BSA/AML risk assessments
- Customer Identification Program (CIP)
- Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD)
- Transaction monitoring
- SAR and CTR investigations, decisioning, and filing
- Independent testing coordination
- Lead OFAC sanctions compliance across all Kikoff products, including customer and counterparty screening, ongoing rescreening, sanctions investigations, and escalation procedures
- Build, mentor, and lead a growing team of AML and sanctions analysts and investigators
- Serve as the primary compliance partner for sponsor banks and regulatory examiners on BSA/AML and OFAC matters, including coordination of CIP reliance arrangements
- Lead regulatory examinations, internal audits, and bank partner reviews while driving timely remediation of findings and corrective actions
- Evaluate and optimize transaction monitoring and sanctions screening systems by partnering with Data and Engineering teams to improve detection quality and reduce false positives
- Develop and deliver company-wide BSA/AML and OFAC training, including specialized training for customer-facing, operations, and engineering teams
- Present program metrics, emerging risks, and material compliance issues to executive leadership and, when appropriate, the Board or designated committees
- Assess compliance implications of new products and features prior to launch, including AML, sanctions, and customer identification requirements
- Maintain and update AML and sanctions policies in response to evolving FinCEN guidance, OFAC regulations, and sponsor bank expectations
Our take
Having a solid credit history is a fundamental building block for financial health and there is a large market of people looking to build or rebuild their credit scores. Roughly half of all American adults have subprime credit or no credit whatsoever, and it’s safe to say there is a demand for credit products tailored to beginners and builders.
Kikoff is a credit-building platform aimed at Millennials and GenZ. Their signature product helps consumers without a credit history to positively influence several key aspects of their credit score. This includes their payment history, how much they owe, and the length of their account history.
Kikoff's goal is to help customers across their entire financial journeys and create a simple and positive banking relationship: from stabilizing cash flows to accumulating savings, and building towards long-term goals such as a mortgage. The company plans to build out its technology and team, across all function areas, to bring new products to market in the future.
Kirsty
Company Specialist at Welcome to the Jungle
Insights
37% employee growth in 12 months
Company
Funding (last 2 of 3 rounds)
Jun 2021
$30m
SERIES B
Jul 2020
$10m
SERIES A
Total funding: $42.5m
Company benefits
- Health Benefits
- Flexible PTO Policy
- Kickoff Paid Holidays
- Office Lunch & Dinners
- Commuter Benefits
- Commuter Flexible Savings
- 401k Matching
- Fitness Benefit Policy
Company HQ
Financial District, San Francisco, CA
Leadership
Cynthia Chen
(Co-Founder & CEO)An experienced Chief Revenue/Risk Officer, Cynthia has worked at OnDeck, LendingHome and Figure. Co-founded Figure in 2018, and Kikoff in 2019.
Christophe Chong
(Co-Founder & CTO)Experience as a Software Engineer at Facebook from 2016-2019, and Head of Growth at Lime between 2018-2019. Co-founded Kikoff in 2019.
Salary benchmarks
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