BSA / AML Manager

Escrow.com is the world's largest provider of secure online payments. We have safely handled over US$7 Billion in transactions for some of the world's largest marketplaces and platforms, including Shopify, GoDaddy, and eBay. We are looking for a highly analytical and execution-focused BSA / AML Manager to join our team in San Francisco. Reporting directly to the Director of Compliance and Legal, you will be the task owner for the platform's BSA / AML / CFT compliance operations. This is not a "theoretical" compliance role; you will be the decision-maker on high-risk transactions and a key partner to our engineering team in building a world-class monitoring engine. This is a full-time, in-office role in our San Francisco office, requiring a professional who can hit the ground running with minimal onboarding. Key Responsibilities Oversee the daily implementation and operation of the BSA / AML / CFT compliance program Manage ML/TF red flags, including the identification, investigation, and resolution of large, suspicious, and unusual transactions Work closely with engineering teams to design, build, maintain, and enhance the transaction monitoring engine and associated alert logic Act as a primary escalation point for complex or high-risk transactions, customers, and structures Serve as a decision-maker for SMR / SAR filings, including assessment, approval, and regulatory submission Partner with Operations, Customer Support, KYC, and other internal teams to develop, update, and maintain AML/CFT process maps, procedures, and escalation protocols Conduct and maintain an enterprise-wide AML/CFT risk assessment, including periodic reviews and updates Design, implement, and maintain ML/TF controls across the platform, aligned to the firm's risk profile Deliver role-based AML/CFT training across the business, tailored to operational, technical, and customer-facing teams Act as control owner for ML/TF and fraud-related controls, including oversight of control design, effectiveness, and ongoing operation Handle Independent AML program and System Audits Serve as an escalation and engagement point with banking partners and AML/CFT supervisors, as required Drive the automation and uplift of customer due diligence (CDD/EDD) and transaction monitoring across the platform, including optimisation of workflows, thresholds, alerts, and risk-based decisioning Requirements Demonstrated experience in AML / CFT compliance, within, fintech, crypto, payments, escrow, or marketplaces Ability to act as a clear decision-maker on complex or high-risk cases Hands-on experience with transaction monitoring frameworks, alert review, investigations, and escalation handling Practical experience designing, implementing, or maintaining AML/CFT controls aligned to ML/TF risks Experience working cross-functionally with engineering, operations, KYC, and customer support teams Ability to document, update, and maintain process maps, procedures, and escalation protocols Proven experience engaging with banking partners, auditors, and AML/CFT supervisors when required Strong general compliance experience within financial services Experience working with screening and transaction monitoring tools Good knowledge of internal control testing and assurance Success Criteria Ownership Mentality: You take full accountability for the compliance program, ensuring no red flag goes unaddressed Resourceful & Proactive: You don't just identify risks; you work with Product and Engineering to build automated solutions to mitigate them Analytical Rigor: You perform deep discovery to understand the root cause of suspicious activity rather than just checking boxes #J-18808-Ljbffr Freelancer.com