BSA/AML Officer

BSA/AML Officer (Senior Manager), New York, NY

Build Your Career | Love your Work | Make a Difference

Payoneer’s mission is to empower businesses to go beyond – beyond borders, limits and expectations. In today’s digital world, Payoneer enables any business of any size from anywhere to access new economic opportunities by making it possible to transact as easily globally as they do locally.

Payoneer’s digital platform streamlines global commerce for millions of small businesses, marketplaces and enterprises from 200 countries and territories.  Leveraging its robust technology, compliance, operations and banking infrastructure, Payoneer delivers a suite of services that includes cross-border payments, working capital, tax solutions, merchant services and risk management.  Powering growth for customers ranging from aspiring entrepreneurs in emerging markets to the world’s leading digital brands like Airbnb, Amazon, Google and Upwork, Payoneer makes global commerce easy and secure.  

What you’ll do:

The BSA/AML Officer(Americas – U.S.) manages the BSA/AML/CTF Compliance Program for Payoneer’s U.S. entity operations in the United States and globally. The BSA Officer is responsible for developing, implementing, administering, and maintaining all aspects of the BSA/AML & CTF Compliance Program, ensuring a high level of compliance with BSA/AML laws and regulations, internal policies and procedures, and state and federal regulatory expectations. The BSA Officer must be fully knowledgeable of all areas of BSA/AML/CTF Compliance, particularly laws, regulations, and best practices associated with a FinCEN registered MSB. The BSA Officer’s responsibilities include:

• Lead the execution, evolution, and continuous improvement of the firm’s BSA/AML/CTF program, driving industry standard best practices and risk-based approach to risk mitigation
• Manage, lead, and provide oversight to a team of BSA/AML/CTF compliance analysts
• Maintain applicable BSA/AML/CTF and risk related Policies and Procedures, ensuring Policies and Procedures are aligned with applicable state and federal requirements and regulatory expectations
• Analyze and assess potentially complex customer due diligence or sanctions issues
• Provide end-to-end oversight and monitoring of the Suspicious Activity Reporting processes, including ensuring timely, accurate, and compliant SARs are filed
• Support transaction monitoring and investigations workstreams, ensuring adherence to defined policies, procedures, and industry standard best practices
• Facilitate and collaborate with applicable stakeholders on annual BSA/AML/CTF Risk Assessment
• Assist with Federal and State Examinations and internal and external independent reviews or audits of the BSA/AML/CTF Program
• Independently monitor & provide education and oversight of employees on emerging AML/CTF risks posed by Payoneer’s customers, products, services, or geographies served
• Manage responses to subpoenas or other document requests from law enforcement or regulatory agencies as applicable
• Develop categories of appropriate Management Information regarding the BSA/AML/CTF Program and ensure completion of same for Senior Compliance Management and Business Management
• Assist and advise Head of Compliance and other members of Senior Compliance Management of emerging risks, new or amended laws, regulations, or agency guidance and recommend Program improvements or enhancements

What we are looking for:

• Extensive knowledge and practical application of BSA and AML laws and regulations, including the Bank Secrecy Act, USA PATRIOT Act, OFAC requirements, financial fraud, and applicable state and federal statutes
• Proven leadership track record with successful management oversight of a team both locally and remote
• Experience with higher risk customer types and complex transactional flows
• Must have a minimum of 7-8 years of experience with U.S. banking regulations and/or other highly regulated industries and knowledge of best industry practices
• Must have sound management skills and experience
• Excellent interpersonal, verbal, and communication skills (including presentations)
• Strong investigative and research skills – great organizational and analytical skills combined with innovative thinking
• Bachelor’s degree / CAMS certification or equivalent
• Eligible to work/live in NYC
• ​Proficient computer skills, especially Microsoft Office applications​
• Ability to work in a fast-paced, deadline-driven environment​
• Strong professional presence to support regular interactions with senior management

What we offer:

• Excellent medical, dental, and vision insurance (individual plan 100% covered) and FSA
• 401K with employer match
• Fitness reimbursement
• Generous PTO, paid holidays, and parental leave 
• Learning and development opportunities  
• Fun office culture with supportive leadership
• Community engagement opportunities

Join the Payoneer Family - check out Our Valuesand apply today!

Payoneer is committed to fostering a diverse and inclusive workplace. Payoneer is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, ancestry, religion, sex, sexual orientation, gender identity, national origin, age, disability status, protected veteran status, or any other characteristic protected by law. If you are interested in applying for employment with Payoneer and need special assistance or an accommodation to use our website or to apply for a position, please email RecruitmentUS@payoneer.com. Determinations on requests for reasonable accommodation are made on a case-by-case basis.

In accordance with New York City Law, below is the annual base salary range for this position. Actual annual base salary is based on, but not limited to: experience, education, professional licenses, location and business needs. The position is eligible for health insurance, disability insurance, life insurance, 401k plan, paid-time off, and sick (and where applicable safe) leave. This position is also eligible for a discretionary year-end bonus.

The annual base salary range for this position is: $100,000-185,000

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