Legal

AML Officer

Washington DC | Full-time

We analyze complex and novel legal issues for Plaid to enable innovation.

At Plaid, our mission is to unlock financial freedom for everyone.  There has never been a better time than now to start building the future of fintech with us. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo and SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 11,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Salt Lake City, Washington D.C., London and Amsterdam.

We are looking for an AML Officer who wants to build a best-in-class AML compliance program at a fast growing FinTech. You will report directly to the Head of Regulatory Compliance and will have significant autonomy to define, implement, and scale our AML program. You'll build our strategy and help define the processes for managing AML and related risks across Plaid--all while seeing around corners and connecting dots in a way that allows Plaid to onboard customers, manage risk, and enable the business better than our peers.

In this role, you’ll partner with Plaid’s Money Movement business, as well as other internal stakeholders across Plaid’s Corporate Development, Risk, and Legal teams. You’ll serve as a point of escalation within Plaid to make hard decisions about what we are and are not comfortable with. You’ll help us optimize our risk underwriting process, allowing us to onboard customers quickly and carefully. You’ll also engage with various external stakeholders, including bank partners, payment processing partners, customers, auditors, and (as necessary) regulators and law enforcement.

We’re looking for the sort of person who is equally comfortable presenting to senior leaders as they are rolling up their sleeves and diving into the details on individual processes and customers. If you’re interested in a forward-thinking role within an ambitious and dynamic company and are comfortable working in an ambiguous regulatory landscape, let’s chat!

What excites us...

  • 8+ years of experience in an AML-related role, or in a similar compliance or risk control-related function
  • Advanced knowledge of relevant AML, BSA, CTF, OFAC, ABC, and Nacha Rules and regulations, along with in house experience implementing and administering those requirements 
  • Experience building out AML/BSA Programs (including building out policies and procedures, conducting AML training, investigation management, SAR filing, and transaction monitoring) based on business needs and risk tolerance
  • Ability to influence, challenge, and support senior leadership. 
  • Experience balancing cross-functional stakeholders pushing in different directions. This role will reward entrepreneurial and creative problem solvers who approach challenges with curiosity and a solutions-oriented mindset.
  • Experience managing internal/external audits and/or regulatory examinations
  • Ability to juggle multiple deadlines in a fast-paced environment
  • Strong analytical, organizational, and communication skills with impeccable attention to detail
  • Good sense of humor and a “roll up your sleeves” attitude
  • Experience in financial services is a must. Bonus points if you’ve worked at a payment processor, third party sender, or a financial institution with exposure to the ACH world. 
  • CAMS or other relevant professional qualifications

What excites you...

  • The idea of building a new AML program at a dynamic, fast-growing company.
  • Putting in place new processes, and supercharging existing processes and structures
  • Being a leader within the team. You recognize that leading with influence rather than authority is typically more effective. You take pride in helping build the foundation of something that will be much bigger than yourself 
  • Crafting, reviewing, and enhancing AML and CTF policies, helping to define and optimize customer onboarding processes, KYC reviews, and account opening
  • Developing risk assessments, reporting, training, and transaction monitoring
  • Advising business partners at all levels on laws, regulations, and policies related to financial crimes and AML--even (or especially!) when those laws are ambiguous
  • Working collaboratively with cross-functional partners to develop creative solutions to complex challenges
  • Staying up to date on regulatory and policy developments relevant to fintech and growth-stage companies
Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at accommodations@plaid.com.
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