Empower the Individual Through Crypto Gemini is a crypto exchange and custodian that allows customers to buy, sell, store, and earn more than 30 cryptocurrencies like bitcoin, bitcoin cash, ether, litecoin, and Zcash. Gemini is a New York trust company that is subject to the capital reserve requirements, cybersecurity requirements, and banking compliance standards set forth by the New York State Department of Financial Services and the New York Banking Law. Gemini was founded in 2014 by twin brothers Cameron and Tyler Winklevoss to empower the individual through crypto. Crypto is about giving you greater choice, independence, and opportunity. We are here to help you on your journey. We build crypto products that are simple, elegant, and secure. Whether you are an individual or an institution, we want to help you buy, sell, and store your bitcoin and cryptocurrency. Crypto is not just a technology, it's a movement. At Gemini, our mission is to empower the individual and that includes giving our employees flexibility of choice - our Office Optional Policy allows employees to choose to work from one of our physical locations or from home. Select roles that are location-specific will still be eligible for flexible schedules. The Department: Compliance Compliance at Gemini is a team dedicated to managing the next generation of financial crime in a complex and evolving regulatory environment. We are a diverse group of technology, legal, and operational professionals who develop new approaches to solving classic problems using cutting edge tools and processes. The Role: Senior Associate, Compliance Operations In this role, you will work with a team of experienced compliance professionals responsible for critical functions within the Compliance and AML/BSA/Sanctions program. You will have responsibilities including, but not limited to, triaging a variety of account operations-related issues escalated by cross functional teams across the enterprise, draft and maintain written procedural guides, assist with internal and external audit functions, track and manage ongoing project work, and other critical components/development of the compliance program that may arise from time to time. Gemini's Compliance team is constantly evolving and developing new operations and controls. In this role, you will contribute to that development by rolling-up your sleeves and building the future of money, while being an integral part of a best-in-class compliance department. Responsibilities Monitor and assist with account related escalations. Respond to various account operations requests from teams across the enterprise. Maintain procedural guides for onboarding and account review. Act as a centralized hub for procedural updates and ensure relevant stakeholders are informed. Assist with internal and external audits. Manage onboarding and account review projects by working closely with project managers on technical updates and procedural improvements. Minimum Qualifications BA/BS degree or international equivalent. 5+ years of experience in the financial services industry with a focus on BSA/AML compliance. Previous experience reviewing operational procedures and identifying areas for improvement. Excellent written and verbal communication skills with previous experience developing and maintaining written policies and procedures. Track record of success and results, ideally in a high-growth or entrepreneurial environment. Flexible mindset and a willingness to roll up your sleeves and assist in various compliance functions as needed. Preferred Qualifications Advanced degree/certifications, e.g., JD, MBA, CAMS, CFE. Familiarity with Customer Identification Program (CIP) requirements including KYC best practices. Working knowledge of digital asset trading and blockchain technology. Comfort with an ever-changing regulatory landscape and fast-paced business environment. Experience working with business and project management tools such as Looker and JIRA. At Gemini, we strive to build diverse teams that reflect the people we want to empower through our products, and we are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or Veteran status. Equal Opportunity is the Law, and Gemini is proud to be an equal opportunity workplace and affirmative action employer. If you have a specific need that requires accommodation, please let a member of the People Team know.
09/23/2021
Full time
Empower the Individual Through Crypto Gemini is a crypto exchange and custodian that allows customers to buy, sell, store, and earn more than 30 cryptocurrencies like bitcoin, bitcoin cash, ether, litecoin, and Zcash. Gemini is a New York trust company that is subject to the capital reserve requirements, cybersecurity requirements, and banking compliance standards set forth by the New York State Department of Financial Services and the New York Banking Law. Gemini was founded in 2014 by twin brothers Cameron and Tyler Winklevoss to empower the individual through crypto. Crypto is about giving you greater choice, independence, and opportunity. We are here to help you on your journey. We build crypto products that are simple, elegant, and secure. Whether you are an individual or an institution, we want to help you buy, sell, and store your bitcoin and cryptocurrency. Crypto is not just a technology, it's a movement. At Gemini, our mission is to empower the individual and that includes giving our employees flexibility of choice - our Office Optional Policy allows employees to choose to work from one of our physical locations or from home. Select roles that are location-specific will still be eligible for flexible schedules. The Department: Compliance Compliance at Gemini is a team dedicated to managing the next generation of financial crime in a complex and evolving regulatory environment. We are a diverse group of technology, legal, and operational professionals who develop new approaches to solving classic problems using cutting edge tools and processes. The Role: Senior Associate, Compliance Operations In this role, you will work with a team of experienced compliance professionals responsible for critical functions within the Compliance and AML/BSA/Sanctions program. You will have responsibilities including, but not limited to, triaging a variety of account operations-related issues escalated by cross functional teams across the enterprise, draft and maintain written procedural guides, assist with internal and external audit functions, track and manage ongoing project work, and other critical components/development of the compliance program that may arise from time to time. Gemini's Compliance team is constantly evolving and developing new operations and controls. In this role, you will contribute to that development by rolling-up your sleeves and building the future of money, while being an integral part of a best-in-class compliance department. Responsibilities Monitor and assist with account related escalations. Respond to various account operations requests from teams across the enterprise. Maintain procedural guides for onboarding and account review. Act as a centralized hub for procedural updates and ensure relevant stakeholders are informed. Assist with internal and external audits. Manage onboarding and account review projects by working closely with project managers on technical updates and procedural improvements. Minimum Qualifications BA/BS degree or international equivalent. 5+ years of experience in the financial services industry with a focus on BSA/AML compliance. Previous experience reviewing operational procedures and identifying areas for improvement. Excellent written and verbal communication skills with previous experience developing and maintaining written policies and procedures. Track record of success and results, ideally in a high-growth or entrepreneurial environment. Flexible mindset and a willingness to roll up your sleeves and assist in various compliance functions as needed. Preferred Qualifications Advanced degree/certifications, e.g., JD, MBA, CAMS, CFE. Familiarity with Customer Identification Program (CIP) requirements including KYC best practices. Working knowledge of digital asset trading and blockchain technology. Comfort with an ever-changing regulatory landscape and fast-paced business environment. Experience working with business and project management tools such as Looker and JIRA. At Gemini, we strive to build diverse teams that reflect the people we want to empower through our products, and we are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or Veteran status. Equal Opportunity is the Law, and Gemini is proud to be an equal opportunity workplace and affirmative action employer. If you have a specific need that requires accommodation, please let a member of the People Team know.
Job Location: Costa Mesa or San Francisco, CA About you: Proven processes make you excited-you're extraordinarily organized with your time, and you know how to prioritize for the biggest impact for your team. People love learning from you because you're got a knack for translating the complexity of consumer protection laws and regulations into measurable criteria for success. Job Description: As LoanSnap's Compliance Manager, you'll be responsible for overseeing various key aspects of our mortgage and regulatory compliance program and working with internal stakeholders to deliver compliance management where necessary. Responsibilities: Have a thorough knowledge of consumer protection laws and regulations, as well as federal and state finance regulations like ECOA, TILA/RESPA, UDAAP, FCRA, GLBA, AML/BSA, and others. Perform regulatory reporting, and periodic testing and monitoring of internal operating procedures. Ensure the Quality Control Plan complete on a monthly/quarterly basis Work with sales and marketing teams on advertising approval and licensing management, as well as HR for personnel compliance. Assist with projects, initiatives, regulatory audits or exams, internal audits, accreditations, on-site reviews, risk assessments, audit planning, and audit training. Qualifications: 3+ years consumer lending experience 2+ years compliance management experience Thorough understanding of consumer finance Certified Regulatory Compliance Manager (CRCM) designation Bachelor's degree preferred. Perks Supportive management and co-workers Flexible benefits package with your own budget and time off Company paid licensing, continuing education, and employee development programs. Great environment- Covered parking with car detailing service, gourmet coffee bar, music, laughter and good energy What Makes Us Different At LoanSnap, our mission is to provide our customers smart loans, fit perfectly to their needs and financial goals. We review each customer's whole financial picture in seconds instead of asking them hundreds of questions and giving them the same loan as everyone else. We have a smart, fun, and focused team, have raised from top-notch investors and are growing fast. LoanSnap is backed by investors like Richard Branson, Joe Montana and top VCs like True Ventures. Our two founders, Karl Jacob and Allan Carroll, are serial entrepreneurs who have raised 23 rounds of financing, created 8 companies from scratch and built products and companies that impact 100s of millions of people. Our employees enjoy being part of a community of aspiring individuals who thrive in an environment that promotes high performers, innovation, high standards, and teamwork. We actively mentor and grow our employees to promote from within. PM19 IND1 PI
09/10/2021
Full time
Job Location: Costa Mesa or San Francisco, CA About you: Proven processes make you excited-you're extraordinarily organized with your time, and you know how to prioritize for the biggest impact for your team. People love learning from you because you're got a knack for translating the complexity of consumer protection laws and regulations into measurable criteria for success. Job Description: As LoanSnap's Compliance Manager, you'll be responsible for overseeing various key aspects of our mortgage and regulatory compliance program and working with internal stakeholders to deliver compliance management where necessary. Responsibilities: Have a thorough knowledge of consumer protection laws and regulations, as well as federal and state finance regulations like ECOA, TILA/RESPA, UDAAP, FCRA, GLBA, AML/BSA, and others. Perform regulatory reporting, and periodic testing and monitoring of internal operating procedures. Ensure the Quality Control Plan complete on a monthly/quarterly basis Work with sales and marketing teams on advertising approval and licensing management, as well as HR for personnel compliance. Assist with projects, initiatives, regulatory audits or exams, internal audits, accreditations, on-site reviews, risk assessments, audit planning, and audit training. Qualifications: 3+ years consumer lending experience 2+ years compliance management experience Thorough understanding of consumer finance Certified Regulatory Compliance Manager (CRCM) designation Bachelor's degree preferred. Perks Supportive management and co-workers Flexible benefits package with your own budget and time off Company paid licensing, continuing education, and employee development programs. Great environment- Covered parking with car detailing service, gourmet coffee bar, music, laughter and good energy What Makes Us Different At LoanSnap, our mission is to provide our customers smart loans, fit perfectly to their needs and financial goals. We review each customer's whole financial picture in seconds instead of asking them hundreds of questions and giving them the same loan as everyone else. We have a smart, fun, and focused team, have raised from top-notch investors and are growing fast. LoanSnap is backed by investors like Richard Branson, Joe Montana and top VCs like True Ventures. Our two founders, Karl Jacob and Allan Carroll, are serial entrepreneurs who have raised 23 rounds of financing, created 8 companies from scratch and built products and companies that impact 100s of millions of people. Our employees enjoy being part of a community of aspiring individuals who thrive in an environment that promotes high performers, innovation, high standards, and teamwork. We actively mentor and grow our employees to promote from within. PM19 IND1 PI
Job Location: Costa Mesa or San Francisco, CA About you: Proven processes make you excited-you're extraordinarily organized with your time, and you know how to prioritize for the biggest impact for your team. People love learning from you because you're got a knack for translating the complexity of consumer protection laws and regulations into measurable criteria for success. Job Description: As LoanSnap's Compliance Manager, you'll be responsible for overseeing various key aspects of our mortgage and regulatory compliance program and working with internal stakeholders to deliver compliance management where necessary. Responsibilities: Have a thorough knowledge of consumer protection laws and regulations, as well as federal and state finance regulations like ECOA, TILA/RESPA, UDAAP, FCRA, GLBA, AML/BSA, and others. Perform regulatory reporting, and periodic testing and monitoring of internal operating procedures. Ensure the Quality Control Plan complete on a monthly/quarterly basis Work with sales and marketing teams on advertising approval and licensing management, as well as HR for personnel compliance. Assist with projects, initiatives, regulatory audits or exams, internal audits, accreditations, on-site reviews, risk assessments, audit planning, and audit training. Qualifications: 3+ years consumer lending experience 2+ years compliance management experience Thorough understanding of consumer finance Certified Regulatory Compliance Manager (CRCM) designation Bachelor's degree preferred. Perks Supportive management and co-workers Flexible benefits package with your own budget and time off Company paid licensing, continuing education, and employee development programs. Great environment- Covered parking with car detailing service, gourmet coffee bar, music, laughter and good energy What Makes Us Different At LoanSnap, our mission is to provide our customers smart loans, fit perfectly to their needs and financial goals. We review each customer's whole financial picture in seconds instead of asking them hundreds of questions and giving them the same loan as everyone else. We have a smart, fun, and focused team, have raised from top-notch investors and are growing fast. LoanSnap is backed by investors like Richard Branson, Joe Montana and top VCs like True Ventures. Our two founders, Karl Jacob and Allan Carroll, are serial entrepreneurs who have raised 23 rounds of financing, created 8 companies from scratch and built products and companies that impact 100s of millions of people. Our employees enjoy being part of a community of aspiring individuals who thrive in an environment that promotes high performers, innovation, high standards, and teamwork. We actively mentor and grow our employees to promote from within. PM19 IND1 PI
09/09/2021
Full time
Job Location: Costa Mesa or San Francisco, CA About you: Proven processes make you excited-you're extraordinarily organized with your time, and you know how to prioritize for the biggest impact for your team. People love learning from you because you're got a knack for translating the complexity of consumer protection laws and regulations into measurable criteria for success. Job Description: As LoanSnap's Compliance Manager, you'll be responsible for overseeing various key aspects of our mortgage and regulatory compliance program and working with internal stakeholders to deliver compliance management where necessary. Responsibilities: Have a thorough knowledge of consumer protection laws and regulations, as well as federal and state finance regulations like ECOA, TILA/RESPA, UDAAP, FCRA, GLBA, AML/BSA, and others. Perform regulatory reporting, and periodic testing and monitoring of internal operating procedures. Ensure the Quality Control Plan complete on a monthly/quarterly basis Work with sales and marketing teams on advertising approval and licensing management, as well as HR for personnel compliance. Assist with projects, initiatives, regulatory audits or exams, internal audits, accreditations, on-site reviews, risk assessments, audit planning, and audit training. Qualifications: 3+ years consumer lending experience 2+ years compliance management experience Thorough understanding of consumer finance Certified Regulatory Compliance Manager (CRCM) designation Bachelor's degree preferred. Perks Supportive management and co-workers Flexible benefits package with your own budget and time off Company paid licensing, continuing education, and employee development programs. Great environment- Covered parking with car detailing service, gourmet coffee bar, music, laughter and good energy What Makes Us Different At LoanSnap, our mission is to provide our customers smart loans, fit perfectly to their needs and financial goals. We review each customer's whole financial picture in seconds instead of asking them hundreds of questions and giving them the same loan as everyone else. We have a smart, fun, and focused team, have raised from top-notch investors and are growing fast. LoanSnap is backed by investors like Richard Branson, Joe Montana and top VCs like True Ventures. Our two founders, Karl Jacob and Allan Carroll, are serial entrepreneurs who have raised 23 rounds of financing, created 8 companies from scratch and built products and companies that impact 100s of millions of people. Our employees enjoy being part of a community of aspiring individuals who thrive in an environment that promotes high performers, innovation, high standards, and teamwork. We actively mentor and grow our employees to promote from within. PM19 IND1 PI
Purpose of Job This role will be located in the Home Office in San Antonio, or at one of our regional offices/remote with frequent travel to the Home Office. Responsible for leading the Anti-Money Laundering (AML) Bank Secrecy Act (BSA) programs to deliver quality and ongoing sustainability of operational functions to include Financial Investigations, Know Your Customer, and OFAC. Oversight of and maintains a governance program, including policies, procedures, and controls to effectively manage the risk of money laundering arising from USAA's operations, and setting and implementing the strategic direction for USAA Federal Savings Bank ("FSB"), USAA Savings Bank ("USB") (collectively "Banks"), P&C, LifeCo, and the overall Enterprise. Sets the standards and provides guidance and support across USAA around member onboarding, due diligence, transaction monitoring, and screening activities for compliance with anti-money laundering and sanctions expectations and related regulatory requirements to ensure deliverables align to USAA and regulatory requirements. Job Requirements Managerial Responsibilities * Leads the design and implementation of the Anti-Money Laundering (AML) Compliance risk management strategies, taking into account business strategy and nuanced supervisory expectations, including how they apply in a matrixed commercial environment. * Oversees teams responsible for regulatory, complex, and critical issues covering USAA as related to the Bank Secrecy Act (BSA)/AML regulatory requirements as well as key enterprise functions. * Exemplifies USAA's mission, core values, culture and desired behaviors - including a culture of compliance risk management. * Develops talent to deliver objectives aligned to the mission; including the identification, development, advancement and retention of talent with requisite compliance capabilities as well as providing leadership and overseeing performance management and staff development activities. * Leads the operational planning of implementation of the AML program for the Bank and Enterprise-including core business processes and technologies. * Oversees execution of AML Compliance initiatives and projects across the banks and the enterprise. * Holds self and others Accountable for meeting commitments by setting and clearly communicating expectations, roles, and responsibilities to others relative to AML Compliance. * Responsible for funding, budgeting and execution of AML initiatives and projects across the businesses and legal entities. Technical and Risk Responsibilities * Responsible for overseeing and governing AML Compliance related activities and actions for the Banks' and the enterprise. * Provides independent oversight to risk management practices across AML Compliance activities. * Formulates and executes a multi-year strategy for a best-in-class AML Compliance program, including AML strategy and analytics across various financial products in the Banks' and various AML Compliance programs across the enterprise. * Identifies and assesses the Banks' AML inherent and control risk, incorporates the outcomes into strategy and risk management oversight practices, and reports the results to the bank board and senior management. * Reviews, addresses, and escalates significant AML issues and activities to Executive Council and/or the appropriate governance committee and its members. * Develops, communicates and reinforces the Banks' risk tolerance and risk appetite statement and associated limits related to AML activities, including how they apply to banking operations. * Monitors the Banks' adherence to AML-related policies and timely closure of AML-related issues and engages in ongoing communication with front line units regarding adherence to AML requirements. * Oversees the monitoring and analysis of AML-related trends, patterns, and external factors impacting the risk levels of the Banks' and communicates and provides recommendations. * Proactively manages relationship and communications with U.S. regulators and internal audit staff for AML Compliance matters, including management of examinations, audits, document production and issue responses. * Liaises with regulatory agencies and other internal control groups on AML related issues -- takes accountability for responding to Matters Requiring Attention (MRAs) and Matters Requiring Immediate Attention (MRIAs) issued by supervisory bodies. * Leads change management activities in connection with MRAs and/or broader regulatory changes. Governance Committees Interacts with or participates in enterprise governance committees, such as: * Bank Compliance Committee * Enterprise and Bank New Activities Approval Committee * USAA Financial Crimes Compliance Committee * Enterprise Compliance Risk Committee * Enterprise Information Governance Committee * Shared Services New Activities Approval Committee Education * Bachelor's degree is required. * Advanced degree such as MBA or Juris Doctorate (JD) is preferred. Experience * A minimum of 12 years of experience in technical discipline (e.g. AML compliance) with a proven track record leading comparable operations. Vast knowledge of the U.S regulatory environment with emphasis on the BSA, USA PATRIOT Act and OFAC programs is required. * A minimum of 8 years of people leadership experience in building, managing and/or developing high-performing teams is required. * Proven experience establishing, implementing and overseeing large financial institution(s) AML program * Extensive background in understanding, evaluating, and monitoring risks in adherence to policies * Demonstrated ability to communicate at all levels of an organization including Board of Directors and Committee members; must also have experience communicating with regulatory agencies * A minimum of 8 years of relevant experience in a large financial institution ($100 billion +), including 5+ years post-Dodd Frank, in a supervisory role as a regulator, in a senior role directly interacting with regulators, or in a senior staff role within an AML department is preferred. Regulatory Understanding* * Federal regulations and supervisory guidance: 12 CFR Part 30, including Appendices A through E * 12 CFR 9 - Bank Fiduciary Activities * Federal Reserve Supervisory Guidance Documents: * SR 08-08 (Compliance Risk Management Programs) * Bank Holding Company Examination Manual * Federal Reserve proposals concerning Board effectiveness and core principles of effective senior management, management of business lines, and independent risk management and controls * OCC Supervisory Guidance Documents: Large Bank Supervision Handbook; Corporate and Risk Governance Handbook; and key OCC bulletins (New Products and Services Risk Management; Third Party Risk Management) * FFIEC: BSA/AML Manual; IT/Cyber Handbooks * CFPB: Consumer Protection Regulations; UDAAP * Regulatory understanding is for illustrative purposes. Roles would need an understanding of all federal and state laws and regulatory guidance applicable to the organization and responsibilities of the role. Note: The above statements are intended to describe the general nature and level of work being performed by employees in this position. They are not intended to be an exhaustive list of all duties, responsibilities and qualifications of employees assigned this job. Certifications Industry certification such as Certified Anti-Money Laundering Specialist (CAMS) is preferred. Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market position. The salary range for this position is $312,600- $562,900. Employees may be eligible for pay incentives based on overall corporate and individual performance or at the discretion of the USAA Board of Directors. Long Term Incentive Plan: Cash payment for Executive level roles only, representing a cash payment which is both time and performance based. Stipend: As an EMG Member, you will receive an annual stipend (amounts determined by level) which will be paid in quarterly installments. Medical Stipend: As a Senior Officer, you will receive an Annual Medical Stipend for you and your spouse Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. Please click on the link below for more details. USAA Total Rewards THIS POSTING WILL BE AVAILABLE TO INTERNAL CANDIDATES UNTIL 11:59PM ON SUNDAY, MARCH 14
03/24/2021
Full time
Purpose of Job This role will be located in the Home Office in San Antonio, or at one of our regional offices/remote with frequent travel to the Home Office. Responsible for leading the Anti-Money Laundering (AML) Bank Secrecy Act (BSA) programs to deliver quality and ongoing sustainability of operational functions to include Financial Investigations, Know Your Customer, and OFAC. Oversight of and maintains a governance program, including policies, procedures, and controls to effectively manage the risk of money laundering arising from USAA's operations, and setting and implementing the strategic direction for USAA Federal Savings Bank ("FSB"), USAA Savings Bank ("USB") (collectively "Banks"), P&C, LifeCo, and the overall Enterprise. Sets the standards and provides guidance and support across USAA around member onboarding, due diligence, transaction monitoring, and screening activities for compliance with anti-money laundering and sanctions expectations and related regulatory requirements to ensure deliverables align to USAA and regulatory requirements. Job Requirements Managerial Responsibilities * Leads the design and implementation of the Anti-Money Laundering (AML) Compliance risk management strategies, taking into account business strategy and nuanced supervisory expectations, including how they apply in a matrixed commercial environment. * Oversees teams responsible for regulatory, complex, and critical issues covering USAA as related to the Bank Secrecy Act (BSA)/AML regulatory requirements as well as key enterprise functions. * Exemplifies USAA's mission, core values, culture and desired behaviors - including a culture of compliance risk management. * Develops talent to deliver objectives aligned to the mission; including the identification, development, advancement and retention of talent with requisite compliance capabilities as well as providing leadership and overseeing performance management and staff development activities. * Leads the operational planning of implementation of the AML program for the Bank and Enterprise-including core business processes and technologies. * Oversees execution of AML Compliance initiatives and projects across the banks and the enterprise. * Holds self and others Accountable for meeting commitments by setting and clearly communicating expectations, roles, and responsibilities to others relative to AML Compliance. * Responsible for funding, budgeting and execution of AML initiatives and projects across the businesses and legal entities. Technical and Risk Responsibilities * Responsible for overseeing and governing AML Compliance related activities and actions for the Banks' and the enterprise. * Provides independent oversight to risk management practices across AML Compliance activities. * Formulates and executes a multi-year strategy for a best-in-class AML Compliance program, including AML strategy and analytics across various financial products in the Banks' and various AML Compliance programs across the enterprise. * Identifies and assesses the Banks' AML inherent and control risk, incorporates the outcomes into strategy and risk management oversight practices, and reports the results to the bank board and senior management. * Reviews, addresses, and escalates significant AML issues and activities to Executive Council and/or the appropriate governance committee and its members. * Develops, communicates and reinforces the Banks' risk tolerance and risk appetite statement and associated limits related to AML activities, including how they apply to banking operations. * Monitors the Banks' adherence to AML-related policies and timely closure of AML-related issues and engages in ongoing communication with front line units regarding adherence to AML requirements. * Oversees the monitoring and analysis of AML-related trends, patterns, and external factors impacting the risk levels of the Banks' and communicates and provides recommendations. * Proactively manages relationship and communications with U.S. regulators and internal audit staff for AML Compliance matters, including management of examinations, audits, document production and issue responses. * Liaises with regulatory agencies and other internal control groups on AML related issues -- takes accountability for responding to Matters Requiring Attention (MRAs) and Matters Requiring Immediate Attention (MRIAs) issued by supervisory bodies. * Leads change management activities in connection with MRAs and/or broader regulatory changes. Governance Committees Interacts with or participates in enterprise governance committees, such as: * Bank Compliance Committee * Enterprise and Bank New Activities Approval Committee * USAA Financial Crimes Compliance Committee * Enterprise Compliance Risk Committee * Enterprise Information Governance Committee * Shared Services New Activities Approval Committee Education * Bachelor's degree is required. * Advanced degree such as MBA or Juris Doctorate (JD) is preferred. Experience * A minimum of 12 years of experience in technical discipline (e.g. AML compliance) with a proven track record leading comparable operations. Vast knowledge of the U.S regulatory environment with emphasis on the BSA, USA PATRIOT Act and OFAC programs is required. * A minimum of 8 years of people leadership experience in building, managing and/or developing high-performing teams is required. * Proven experience establishing, implementing and overseeing large financial institution(s) AML program * Extensive background in understanding, evaluating, and monitoring risks in adherence to policies * Demonstrated ability to communicate at all levels of an organization including Board of Directors and Committee members; must also have experience communicating with regulatory agencies * A minimum of 8 years of relevant experience in a large financial institution ($100 billion +), including 5+ years post-Dodd Frank, in a supervisory role as a regulator, in a senior role directly interacting with regulators, or in a senior staff role within an AML department is preferred. Regulatory Understanding* * Federal regulations and supervisory guidance: 12 CFR Part 30, including Appendices A through E * 12 CFR 9 - Bank Fiduciary Activities * Federal Reserve Supervisory Guidance Documents: * SR 08-08 (Compliance Risk Management Programs) * Bank Holding Company Examination Manual * Federal Reserve proposals concerning Board effectiveness and core principles of effective senior management, management of business lines, and independent risk management and controls * OCC Supervisory Guidance Documents: Large Bank Supervision Handbook; Corporate and Risk Governance Handbook; and key OCC bulletins (New Products and Services Risk Management; Third Party Risk Management) * FFIEC: BSA/AML Manual; IT/Cyber Handbooks * CFPB: Consumer Protection Regulations; UDAAP * Regulatory understanding is for illustrative purposes. Roles would need an understanding of all federal and state laws and regulatory guidance applicable to the organization and responsibilities of the role. Note: The above statements are intended to describe the general nature and level of work being performed by employees in this position. They are not intended to be an exhaustive list of all duties, responsibilities and qualifications of employees assigned this job. Certifications Industry certification such as Certified Anti-Money Laundering Specialist (CAMS) is preferred. Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market position. The salary range for this position is $312,600- $562,900. Employees may be eligible for pay incentives based on overall corporate and individual performance or at the discretion of the USAA Board of Directors. Long Term Incentive Plan: Cash payment for Executive level roles only, representing a cash payment which is both time and performance based. Stipend: As an EMG Member, you will receive an annual stipend (amounts determined by level) which will be paid in quarterly installments. Medical Stipend: As a Senior Officer, you will receive an Annual Medical Stipend for you and your spouse Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. Please click on the link below for more details. USAA Total Rewards THIS POSTING WILL BE AVAILABLE TO INTERNAL CANDIDATES UNTIL 11:59PM ON SUNDAY, MARCH 14
Location: Los Angeles, CA Description: Guide a team of auditors to assess risks, develop detail audit programs, identify data analytic opportunities, execute audit programs, analyze results of testing performed, and effectively communicate audit results to the Audit Senior Manager/Director and senior management in meetings, presentations, and/or written reports and memorandums. Additionally, the position is responsible for maintaining and executing continuous monitoring program in accordance with audit methodology and taking into consideration industry development, emerging risks, and regulatory changes and expectations. Responsibilities |Audit and Assurance General Requirements • Plans, executes and evaluates audit test plans for projects of medium to high complexity with a risk-based audit approach. - Assesses risks and controls, designs comprehensive audit programs, executes audit procedures, supervises and reviews the work of others, analyzes and synthesizes results of testing performed, effectively communicates results to senior management to affect change, and delivers well written audit reports and other forms of communication. - Manages staff assigned to engagements, and collaborates with other audit groups to effectively plan, integrate and execute audits. • Understands fraud, BSA/AML and general IT risks in order to identify and assess key control activities in business processes. • Assesses information security and privacy policies and procedures to identify weaknesses within the business process or activity being audited. • Leads and executes continuous monitoring activities periodically for the area assigned. Gathers and evaluates information received from business units and other external/regulatory sources. • Ability to multi-task and work in a dynamically changing environment. • Complies fully with all Bank policies, procedures, audit methodologies, training and regulatory requirements. Basic qualifications • Bachelor's degree required. • Minimum 4 years of audit or related experience in banking operations, compliance, and/or risk management activities. • Minimum 1 years of experience conducting internal audits within financial institutions and supervising staff. • Certification in at least one or more of the following: • Certified Public Accountant (CPA) • Certified Internal Auditor (CIA) • Certified Information Systems Auditor (CISA) • Certified Information Systems Security Professional (CISSP) • Chartered Financial Analyst (CFA) • Certified Anti-Money Laundering Specialist (CAMS) • Certified Fraud Examiner (CFE) Skills and Knowledge • Strong verbal and written communication skills to effectively present to peers and business management. • Demonstrated negotiation and leadership skills needed to convey ideas and obtain management buy-in for constructive change. • Effectively manage ambiguity, work independently, think innovatively and demonstrate critical problem-solving skills. • Strong understanding of internal auditing standards, COSO and risk assessment practices. • Strong understanding of internal control concepts and application of such. • Strong working knowledge of banking industry laws and regulations. • Experience in planning and juggling multiple projects and with varying team members. • Experience in coaching junior auditor. • Sound knowledge and experience in IT audit is strongly preferred. • Familiar with data analytics, robotic process automation and artificial intelligence tools. • Experience in use of data visualization and reporting - e.g. Tableau and/or Alteryx is a plus. Shoeb Khan, The Judge Group | | Contact: This job and many more are available through The Judge Group. Find us on the web at
01/17/2021
Full time
Location: Los Angeles, CA Description: Guide a team of auditors to assess risks, develop detail audit programs, identify data analytic opportunities, execute audit programs, analyze results of testing performed, and effectively communicate audit results to the Audit Senior Manager/Director and senior management in meetings, presentations, and/or written reports and memorandums. Additionally, the position is responsible for maintaining and executing continuous monitoring program in accordance with audit methodology and taking into consideration industry development, emerging risks, and regulatory changes and expectations. Responsibilities |Audit and Assurance General Requirements • Plans, executes and evaluates audit test plans for projects of medium to high complexity with a risk-based audit approach. - Assesses risks and controls, designs comprehensive audit programs, executes audit procedures, supervises and reviews the work of others, analyzes and synthesizes results of testing performed, effectively communicates results to senior management to affect change, and delivers well written audit reports and other forms of communication. - Manages staff assigned to engagements, and collaborates with other audit groups to effectively plan, integrate and execute audits. • Understands fraud, BSA/AML and general IT risks in order to identify and assess key control activities in business processes. • Assesses information security and privacy policies and procedures to identify weaknesses within the business process or activity being audited. • Leads and executes continuous monitoring activities periodically for the area assigned. Gathers and evaluates information received from business units and other external/regulatory sources. • Ability to multi-task and work in a dynamically changing environment. • Complies fully with all Bank policies, procedures, audit methodologies, training and regulatory requirements. Basic qualifications • Bachelor's degree required. • Minimum 4 years of audit or related experience in banking operations, compliance, and/or risk management activities. • Minimum 1 years of experience conducting internal audits within financial institutions and supervising staff. • Certification in at least one or more of the following: • Certified Public Accountant (CPA) • Certified Internal Auditor (CIA) • Certified Information Systems Auditor (CISA) • Certified Information Systems Security Professional (CISSP) • Chartered Financial Analyst (CFA) • Certified Anti-Money Laundering Specialist (CAMS) • Certified Fraud Examiner (CFE) Skills and Knowledge • Strong verbal and written communication skills to effectively present to peers and business management. • Demonstrated negotiation and leadership skills needed to convey ideas and obtain management buy-in for constructive change. • Effectively manage ambiguity, work independently, think innovatively and demonstrate critical problem-solving skills. • Strong understanding of internal auditing standards, COSO and risk assessment practices. • Strong understanding of internal control concepts and application of such. • Strong working knowledge of banking industry laws and regulations. • Experience in planning and juggling multiple projects and with varying team members. • Experience in coaching junior auditor. • Sound knowledge and experience in IT audit is strongly preferred. • Familiar with data analytics, robotic process automation and artificial intelligence tools. • Experience in use of data visualization and reporting - e.g. Tableau and/or Alteryx is a plus. Shoeb Khan, The Judge Group | | Contact: This job and many more are available through The Judge Group. Find us on the web at
Discover. A brighter future. With Discover, you'll have the chance to make a difference at one of the world's leading digital banking and payments companies. From Day 1, you'll do meaningful work you're passionate about, with the support and resources you need for success. We value what makes each employee unique and provide a collaborative, team-based culture that gives everyone an opportunity to shine. Be the reason millions of people find a brighter financial future, while building the future you want, here at Discover. Job Description Responsible for assessing 1st line business processes and controls used to monitor and test for adherence with Federal and State regulatory requirements. The role collaborates with management to identify compliance issues and corrective action plans, and communicates the scope and severity of concerns identified to the applicable level of management. What You'll Do Assess first-line business processes and controls used to monitor and test for adherence with federal and state regulatory requirements. Collaborate with management to identify compliance issues and corrective action plans, and communicate the scope and severity of concerns identified to the applicable level of management. How You'll Do It Manage activities of the Compliance Testing staff (direct/indirect), taking responsibility for the overall integrity and quality of the work product. Collaborate with various levels of management within the areas of responsibilities, including the risk functions within the First Line of Defense. Evaluate and test the adequacy of business processes and practices with respect to risks, controls, and regulatory requirement identifying gaps and issues. Monitor and validate the status of corrective actions taken by business partners to remediate concerns identified in compliance testing results. Create and maintain testing work papers and supporting documentation. Write reports regarding compliance testing results. Maintain an in-depth knowledge of DFS, banking industry, compliance concepts, regulations, and respective requirements and identify opportunities to enhance overall team development (e.g. mentoring, developing case study presentations, filtering and escalating feedback from the broader team, sharing webinar, financial/compliance industry articles, conference take-a-ways not available to others etc.) Proficiently execute complex reviews timely (e.g. design a test plan, evaluate control effectiveness, create and maintain testing work papers and supporting documentation, draft written reports, monitor status and validate corrective action taken by the business to remediate concerns) with transferable skills to other Compliance Testing specialty areas Support Compliance Management in developing, implementing, and maintaining an enterprise-wide Compliance Program Communicate and escalates concerns, potential risks, issues, or deficiencies identified that may have enterprise-wide impact to drive a culture of compliance Leverage data analytics to develop testing approach; analyze output to target testing activities Maintain on-going communication with the Compliance Testing Manager and line of business prior to, during and after reviews Support internal audits and regulatory exams as needed Qualifications You'll Need The Basics Bachelor's degree in business, finance, or legal 4+ years of experience in compliance, Audit, compliance testing, and/or BSA/AML Bonus Points If You Have 6+ years of experience in testing, quality assurance, and/or audit Certified Regulatory Compliance Manager Certified Anti-Money Laundering Specialist Certified Internal Auditor #LI-DK1 What are you waiting for? Apply today! The same way we treat our employees is how we treat all applicants - with respect. Discover Financial Services is an equal opportunity employer (EEO is the law) . We thrive on diversity & inclusion. You will be treated fairly throughout our recruiting process and without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status in consideration for a career at Discover.
10/01/2020
Full time
Discover. A brighter future. With Discover, you'll have the chance to make a difference at one of the world's leading digital banking and payments companies. From Day 1, you'll do meaningful work you're passionate about, with the support and resources you need for success. We value what makes each employee unique and provide a collaborative, team-based culture that gives everyone an opportunity to shine. Be the reason millions of people find a brighter financial future, while building the future you want, here at Discover. Job Description Responsible for assessing 1st line business processes and controls used to monitor and test for adherence with Federal and State regulatory requirements. The role collaborates with management to identify compliance issues and corrective action plans, and communicates the scope and severity of concerns identified to the applicable level of management. What You'll Do Assess first-line business processes and controls used to monitor and test for adherence with federal and state regulatory requirements. Collaborate with management to identify compliance issues and corrective action plans, and communicate the scope and severity of concerns identified to the applicable level of management. How You'll Do It Manage activities of the Compliance Testing staff (direct/indirect), taking responsibility for the overall integrity and quality of the work product. Collaborate with various levels of management within the areas of responsibilities, including the risk functions within the First Line of Defense. Evaluate and test the adequacy of business processes and practices with respect to risks, controls, and regulatory requirement identifying gaps and issues. Monitor and validate the status of corrective actions taken by business partners to remediate concerns identified in compliance testing results. Create and maintain testing work papers and supporting documentation. Write reports regarding compliance testing results. Maintain an in-depth knowledge of DFS, banking industry, compliance concepts, regulations, and respective requirements and identify opportunities to enhance overall team development (e.g. mentoring, developing case study presentations, filtering and escalating feedback from the broader team, sharing webinar, financial/compliance industry articles, conference take-a-ways not available to others etc.) Proficiently execute complex reviews timely (e.g. design a test plan, evaluate control effectiveness, create and maintain testing work papers and supporting documentation, draft written reports, monitor status and validate corrective action taken by the business to remediate concerns) with transferable skills to other Compliance Testing specialty areas Support Compliance Management in developing, implementing, and maintaining an enterprise-wide Compliance Program Communicate and escalates concerns, potential risks, issues, or deficiencies identified that may have enterprise-wide impact to drive a culture of compliance Leverage data analytics to develop testing approach; analyze output to target testing activities Maintain on-going communication with the Compliance Testing Manager and line of business prior to, during and after reviews Support internal audits and regulatory exams as needed Qualifications You'll Need The Basics Bachelor's degree in business, finance, or legal 4+ years of experience in compliance, Audit, compliance testing, and/or BSA/AML Bonus Points If You Have 6+ years of experience in testing, quality assurance, and/or audit Certified Regulatory Compliance Manager Certified Anti-Money Laundering Specialist Certified Internal Auditor #LI-DK1 What are you waiting for? Apply today! The same way we treat our employees is how we treat all applicants - with respect. Discover Financial Services is an equal opportunity employer (EEO is the law) . We thrive on diversity & inclusion. You will be treated fairly throughout our recruiting process and without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status in consideration for a career at Discover.
Discover. A brighter future. With Discover, you'll have the chance to make a difference at one of the world's leading digital banking and payments companies. From Day 1, you'll do meaningful work you're passionate about, with the support and resources you need for success. We value what makes each employee unique and provide a collaborative, team-based culture that gives everyone an opportunity to shine. Be the reason millions of people find a brighter financial future, while building the future you want, here at Discover. Job Description At Discover, be part of a culture where diversity, teamwork and collaboration reign. Join a company that is just as employee-focused as it is on its customers, and which is consistently awarded for both. We're all about people and our employees are why Discover is a great place to work. Be the reason we help millions of consumers build a brighter financial future and achieve yours along the way with a rewarding career. Responsible for verifying that operating units are compliant with all appropriate local, state and federal regulations through execution of the compliance monitoring program, building and executing second line of defense monitoring, delivering accurate and timely examination ready work papers and supporting documentation for assigned reviews, providing oversight for first line of defense monitoring, collaboration with business management to identify compliance issues and corrective action plans, and support the roll out of new processes and systems within the compliance monitoring team throughout the year. The role is responsible for managing (directly and indirectly) compliance department personnel, including training. Responsibilities Collaborates with various level of management within the areas of responsibilities, including the risk functions within the first line of defense. Evaluates and tests the adequacy of business processes and practices with respect to risks, controls, and regulatory requirements, identifying gaps and issues. Maintains a high level of awareness and knowledge of regulatory compliance requirements. Supports enterprise risk and compliance management in developing, implementing, and maintaining an enterprise-wide compliance program and culture of compliance. Monitors and validates status of corrective actions taken by business partners to remediate concerns. Creates and maintains monitoring work papers and supporting documentation. Drafts written reports regarding compliance monitoring results. Manages activities of Compliance Monitoring staff (direct/indirect), including training, and is responsible for the overall integrity and quality of the work product. Understanding of the control environment, including assessment of control design and control effectiveness Strong analytical skills Flexibility and ability to prioritize tasks with competing deadlines Minimum Qualifications At a minimum, here's what we need from you: Bachelor's Degree in Business, Finance, or Legal 6+ years of experience in Compliance, Financial Services, Risk, and/or BSA/AML 1-3 years of experience in management Preferred Qualifications If we had our say, we'd also look for: Bachelor's Degree in Business, Finance, or Legal 8+ years of experience, 5 years in Testing, Quality Assurance, Risk & Controls, and/or Audit CRCM Certification or similar certification Certified Internal Auditor Certified Regulatory Compliance Manager What are you waiting for? Apply today! And by the way, while you're waiting to hear from us, don't forget to check out the great benefits Discover offers. The same way we treat our employees is how we treat all applicants - with respect. Discover Financial Services is an equal opportunity employer ( EEO is the law ). We thrive on diversity & inclusion. You will be treated fairly throughout our recruiting process and without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other characteristic protected by federal, state, or local law in consideration for a career at Discover. What are you waiting for? Apply today! The same way we treat our employees is how we treat all applicants - with respect. Discover Financial Services is an equal opportunity employer (EEO is the law) . We thrive on diversity & inclusion. You will be treated fairly throughout our recruiting process and without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status in consideration for a career at Discover.
09/28/2020
Full time
Discover. A brighter future. With Discover, you'll have the chance to make a difference at one of the world's leading digital banking and payments companies. From Day 1, you'll do meaningful work you're passionate about, with the support and resources you need for success. We value what makes each employee unique and provide a collaborative, team-based culture that gives everyone an opportunity to shine. Be the reason millions of people find a brighter financial future, while building the future you want, here at Discover. Job Description At Discover, be part of a culture where diversity, teamwork and collaboration reign. Join a company that is just as employee-focused as it is on its customers, and which is consistently awarded for both. We're all about people and our employees are why Discover is a great place to work. Be the reason we help millions of consumers build a brighter financial future and achieve yours along the way with a rewarding career. Responsible for verifying that operating units are compliant with all appropriate local, state and federal regulations through execution of the compliance monitoring program, building and executing second line of defense monitoring, delivering accurate and timely examination ready work papers and supporting documentation for assigned reviews, providing oversight for first line of defense monitoring, collaboration with business management to identify compliance issues and corrective action plans, and support the roll out of new processes and systems within the compliance monitoring team throughout the year. The role is responsible for managing (directly and indirectly) compliance department personnel, including training. Responsibilities Collaborates with various level of management within the areas of responsibilities, including the risk functions within the first line of defense. Evaluates and tests the adequacy of business processes and practices with respect to risks, controls, and regulatory requirements, identifying gaps and issues. Maintains a high level of awareness and knowledge of regulatory compliance requirements. Supports enterprise risk and compliance management in developing, implementing, and maintaining an enterprise-wide compliance program and culture of compliance. Monitors and validates status of corrective actions taken by business partners to remediate concerns. Creates and maintains monitoring work papers and supporting documentation. Drafts written reports regarding compliance monitoring results. Manages activities of Compliance Monitoring staff (direct/indirect), including training, and is responsible for the overall integrity and quality of the work product. Understanding of the control environment, including assessment of control design and control effectiveness Strong analytical skills Flexibility and ability to prioritize tasks with competing deadlines Minimum Qualifications At a minimum, here's what we need from you: Bachelor's Degree in Business, Finance, or Legal 6+ years of experience in Compliance, Financial Services, Risk, and/or BSA/AML 1-3 years of experience in management Preferred Qualifications If we had our say, we'd also look for: Bachelor's Degree in Business, Finance, or Legal 8+ years of experience, 5 years in Testing, Quality Assurance, Risk & Controls, and/or Audit CRCM Certification or similar certification Certified Internal Auditor Certified Regulatory Compliance Manager What are you waiting for? Apply today! And by the way, while you're waiting to hear from us, don't forget to check out the great benefits Discover offers. The same way we treat our employees is how we treat all applicants - with respect. Discover Financial Services is an equal opportunity employer ( EEO is the law ). We thrive on diversity & inclusion. You will be treated fairly throughout our recruiting process and without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other characteristic protected by federal, state, or local law in consideration for a career at Discover. What are you waiting for? Apply today! The same way we treat our employees is how we treat all applicants - with respect. Discover Financial Services is an equal opportunity employer (EEO is the law) . We thrive on diversity & inclusion. You will be treated fairly throughout our recruiting process and without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status in consideration for a career at Discover.
