Manager, Financial Crimes & Enterprise Risk Management

🌍 Remote, USA 💹 Full-time 🕐 Posted Recently

Job Description

About the position

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. The ideal candidate brings a customer-first mindset, operates with urgency and accountability, and builds a high-performing, collaborative team environment.
This is a remote position offering the opportunity to create meaningful impact in a dynamic, fast-paced fintech environment. The US base salary range for this full-time position is $95,000-130,000 + equity + benefits. Our salary ranges are determined by role, level, and location.

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.

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.
Bachelor’s degree or equivalent professional experience required.