Anti-Money Laundering (AML) First Line of Defense Senior Staff Big Business Banking

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The role: The Senior Anti-Money Laundering (AML) First Line of Defense Staff Big Business Banking role sits within the Member Business Unit and will support the Big Business Banking team in implementing effective, risk-based AML and sanctions controls in line with regulatory expectations, internal risk appetite, and business strategy. Reporting directly to the AML First Line of Defense Big Business Banking Senior Manager, you will serve as a key AML risk partner to Product, Engineering, Operations, and Risk. You will be accountable for executing AML policy and regulatory requirements, supporting key AML risk decisions, and helping ensure the business is prepared for audits, independent testing, and regulatory examinations. This position requires strong independent judgment, the ability to evaluate risk-based tradeoffs, and a focus on embedding compliance into day-to-day operations while supporting responsible growth. What you’ll do: AML Program Execution Risk Management Execute the First Line AML control framework for designated businesses, including conducting onboarding, periodic reviews, and event-driven reviews of complex and high-risk customers. Support the implementation of AML requirements for new products, services, and partnerships, ensuring controls are embedded into product design and technology. Draft and review AML relationship summaries and risk assessments used to gate onboarding and ongoing service decisions. Ensure customer and transaction monitoring frameworks (including on-chain monitoring, where applicable) align with documented risk profiles and expected activity. Risk Appetite Enforcement Decision-Making Apply SoFi’s AML risk appetite in daily processes, identifying prohibited or restricted customer types and escalating exceptions when warranted. Formulate and defend risk-based recommendations on customer onboarding, expansion of services, enhanced monitoring, remediation, or exit. Proactively identify emerging risks in day-to-day operations and help drive mitigation plans before they become audit, regulatory, or operational issues. Regulatory, Audit Exam Readiness Assist in First Line responses to internal audits, independent testing, risk assessments, and regulatory examinations. Ensure documentation, rationale, and control execution are consistent, defensible, and exam-ready. Partner closely with AML Compliance (Second Line) to facilitate reviews of high-risk relationships and material changes. Cross-Functional Collaboration Act as an AML resource and risk partner to Product, Engineering, Design, Operations, and Risk to ensure AML controls scale with business growth. Assist in translating regulatory expectations into clear technical and operational requirements for monitoring, data capture, and controls. Support the execution of AML initiatives and provide data-driven insights to leadership to aid decision-making on tradeoffs between risk, customer experience, and business objectives. Contribute to a high-performing AML First Line Big Business Banking team by maintaining high operating standards to support complex, high-risk businesses. Strategy, Technology Continuous Improvement Support the operation and optimization of key AML technology platforms, including transaction and blockchain monitoring systems. Monito ... (truncated, view full listing at source)