[Remote] Sr. Compliance Manager, MSB & Program Management

Note: The job is a remote job and is open to candidates in USA. Synctera is a company focused on powering the future of FinTech by providing an end-to-end Banking as a Service platform. They are looking for a Senior Compliance Manager to oversee compliance programs related to their Program Management and Money Services Business lines, ensuring regulatory requirements are met and operational processes are effective.ResponsibilitiesExecute second-line-of-defense oversight of fintech partners participating in sponsor bank BaaS programs, including monitoring, testing, issue identification, escalation, and reportingConduct risk-based reviews of fintech policies, procedures, marketing materials, disclosures, and customer-facing content for regulatory complianceSupport the design and execution of compliance testing programs – including control effectiveness testing, thematic reviews, and monitoring calibrationOversee fintech compliance management systems (CMS), ensuring alignment with sponsor bank standards and Synctera's Program Management ManualManage the change management review process for fintech submissions, including new products, revised disclosures, and policy updatesOversee fintech complaint management, issue management, and dispute resolution programs on behalf of bank partnersPrepare and deliver compliance reporting packages to sponsor banks, including program health dashboards, issue logs, risk trend analyses, and escalation summariesServe as a compliance subject matter expert during fintech onboarding due diligence and ongoing monitoringSupport the buildout and ongoing maintenance of Synctera's standalone BSA/AML program, including SAR/CTR governance, transaction monitoring oversight, and KYC/CDD/EDD operationalizationAssist with SAR investigation and filing workflows, SAR clock tracking, quality control review, and FinCEN e-filing proceduresHelp implement and manage Synctera's 314(a) response process and 314(b) voluntary information-sharing programContribute to the development and calibration of transaction monitoring rules, alert review SLA governance, and monitoring rule change control documentationSupport the design of Key Risk Indicator (KRI) frameworks, including thresholds, breach triggers, and executive-level escalation protocolsAssist with state money transmitter licensing compliance, including tracking license status, renewal deadlines, and state-specific requirementsHelp prepare Synctera for direct FinCEN and IRS examination, including organizing evidence artifacts, supporting examiner requests, and coordinating remediation responsesContribute to executive and board-level AML reporting, including quarterly dashboards, SAR trend analyses, and risk assessment updatesIdentify compliance gaps, document findings with clear root cause analysis, and recommend practical corrective actions with defined timelines and ownersBuild and maintain strong relationships with fintech partners, bank compliance teams, and internal stakeholders while providing credible compliance oversightAssess and document risks within bank BaaS programs and MSB operations, and drive action plans to mitigate themReview and update policies, procedures, and internal controls to ensure alignment with evolving regulatory expectations and business model changesSupport independent AML testing engagements and internal audit coordinationSkills7+ years of experience in BSA/AML compliance, consumer compliance, risk, or audit within a bank, fintech, MSB, or program manager – ideally with direct exposure to both consumer compliance and financial crimes complianceDeep knowledge of BSA/AML and MSB regulatory requirements, including: Bank Secrecy Act / USA PATRIOT Act (Sections 314(a), 314(b), 352), FinCEN MSB registration and examination requirements (31 CFR 1022), SAR and CTR reporting obligations (31 CFR 1022.320, 31 CFR 1010.311/1010.313), OFAC sanctions compliance (31 CFR Chapter V; SDN, sectoral, and secondary sanctions programs), CDD Rule, EDD, and Customer Risk Rating methodologies, State money transmitter licensing frameworks, Travel Rule (31 CFR 1010.410), FFIEC BSA/AML Examination ManualSolid understanding of consumer protection regulations, including: UDAAP (12 USC 5531), EFTA / Regulation E, TILA / Regulation Z, Truth in Savings / Regulation DD, Fair Lending (ECOA / Reg B), Gramm-Leach-Bliley Act / Regulation P (privacy), Regulation CC (Funds Availability), FCRA (Fair Credit Reporting Act), Regulation GG (Unlawful Internet Gambling), Regulation II (Debit Card Interchange)Familiarity with third-party risk management guidance (OCC Bulletin 2023-17, FDIC FIL-44-2008, Federal Reserve SR 13-19) and experience operating within a program management or BaaS oversight modelExperience with transaction monitoring platforms (e.g., Hawk AI, Socure, ComplyAdvantage, or similar) and case management workflowsStrong written and verbal communication skills – you can draft a SAR narrative, write a policy, present to a bank compliance committee, and explain a finding to an engineer with equal clarityComfort working in a fast-moving, ambiguous environment where you'll need to build processes from the ground up while managing day-to-day compliance operationsExcellent organizational skills and the ability to manage multiple priorities across the PM and MSB workstreams simultaneouslyA genuine passion for fintech, financial inclusion, and building compliance programs that enable innovation rather than block itCAMS (Certified Anti-Money Laundering Specialist), CFCS, or equivalent AML certificationDirect experience with FinCEN examination preparation or IRS MSB examinationExperience with compliance automation, regtech platforms, or compliance testing technology (e.g., Cable, Hummingbird, Unit21)Prior experience at a BaaS platform, program manager, or sponsor bank operating fintech programsFamiliarity with cross-border payments, remittance compliance, or stored value/prepaid regulatory frameworksBenefits6-month contract engagement with the potential to convert to a full-time employee role based on performance, fit, and business needsRemote workMust be located and authorized to work in the US or Canada as a precondition of employmentCompany OverviewSynctera is a banking technology platform that enables community banks and fintech companies to collaborate and provide financial services. It was founded in 2020, and is headquartered in San Francisco, California, USA, with a workforce of 51-200 employees. Its website is https://www.synctera.com.