Sr. Compliance Manager, MSB & Program Management

What We're Doing At Synctera, we’re powering the future of FinTech. We help companies create new revenue streams and enhance their value proposition with FinTech apps and embedded banking products. With APIs, compliance support, and bank partners in one end-to-end Banking as a Service platform, Synctera is the fastest and easiest way to build, launch, and scale bank accounts, debit cards, charge cards, lending, and more. We help banks increase deposits and non-interest income by expanding their footprint through FinTech and embedded finance partnerships. The Synctera Platform enables banks to manage their program through a fully compliant, scalable solution. We are looking for interesting, curious, wickedly smart people who are ready to jump in and run with our fast-growing team. If you want to have fun at work, collaborate with some of the sharpest people in the industry, grow the FinTech and Banking as a Service ecosystem, and love to win, read on! About the Team The Legal, Risk & Compliance team is responsible for Synctera's legal strategy, regulatory posture, and compliance program across all lines of business. We own corporate governance, commercial agreements, M&A, privacy, and regulatory affairs on the legal side. On risk and compliance, we design and operate the Program Management compliance framework, providing second-line oversight of fintech partners on behalf of sponsor banks. We are also building Synctera's standalone BSA/AML program as we transition to a directly regulated MSB. The team works at the intersection of law, regulation, and product, translating complex regulatory requirements into scalable controls that protect consumers, satisfy bank partners and regulators, and enable Synctera to grow. What We're Looking For e're offering a 6-month contract engagement with the potential to convert to a full-time employee role based on performance, fit, and business needs. We're searching for a senior, versatile compliance professional to join Synctera's Legal, Risk & Compliance team at a pivotal moment in our evolution. Synctera is simultaneously building a bank Program Management function (where we execute day-to-day compliance oversight of fintech partners on behalf of sponsor banks) and registering as a Money Services Business with FinCEN, which introduces standalone BSA/AML, SAR filing, and direct regulatory accountability obligations that we have not previously owned. In this role, you'll help design, implement, and operationalize compliance programs across both the PM and MSB lines of business. You'll work closely with our General Counsel, Director of Compliance, and Sr. Director of Risk Management to strengthen governance, remediate gaps, build scalable controls, and prepare Synctera for direct regulatory examination. We're looking for someone who has personally filed an MSB registration or managed a money transmitter licensing portfolio , and who has experience managing compliance in a BaaS or sponsor bank context , whether overseeing fintech partners on behalf of a bank or managing that relationship from the fintech side. Beyond the technical requirements, you understand the mechanics of third-party risk management from the inside and can translate regulatory expectations into operational procedures that actually work in a fast-moving, technology-driven environment. If you don't check every box below but have hands-on experience with MSB licensing or BaaS program management and believe you have the right foundation, we'd still love to hear from you. Some of the best compliance professionals we've worked with brought unexpected backgrounds to the table. What You'll Do Program Management Compliance Execute second-line-of-defense oversight of fintech partners participating in sponsor bank BaaS programs, including monitoring, testing, issue identification, escalation, and reporting Conduct risk-based reviews of fintech policies, procedures, marketing materials, disclosures, and customer-facing content for regulatory compliance Support the design and execution of compliance testing programs – including control effectiveness testing, thematic reviews, and monitoring calibration Oversee fintech compliance management systems (CMS), ensuring alignment with sponsor bank standards and Synctera's Program Management Manual Manage the change management review process for fintech submissions, including new products, revised disclosures, and policy updates Oversee fintech complaint management, issue management, and dispute resolution programs on behalf of bank partners Prepare and deliver compliance reporting packages to sponsor banks, including program health dashboards, issue logs, risk trend analyses, and escalation summaries Serve as a compliance subject matter expert during fintech onboarding due diligence and ongoing monitoring MSB Compliance Support the buildout and ongoing maintenance of Synctera's standalone BSA/AML program, including SAR/CTR governance, transaction monitoring oversight, and KYC/CDD/EDD operationalization Assist with SAR investigation and filing workflows, SAR clock tracking, quality control review, and FinCEN e-filing procedures Help implement and manage Synctera's 314(a) response process and 314(b) voluntary information-sharing program Contribute to the development and calibration of transaction monitoring rules, alert review SLA governance, and monitoring rule change control documentation Support the design of Key Risk Indicator (KRI) frameworks, including thresholds, breach triggers, and executive-level escalation protocols Assist with state money transmitter licensing compliance, including tracking license status, renewal deadlines, and state-specific requirements Help prepare Synctera for direct FinCEN and IRS examination, including organizing evidence artifacts, supporting examiner requests, and coordinating remediation responses Contribute to executive and board-level AML reporting, including quarterly dashboards, SAR trend analyses, and risk assessment updates Cross-Functional Identify compliance gaps, document findings with clear root cause analysis, and recommend practical corrective actions with defined timelines and owners Build and maintain strong relationships with fintech partners, bank compliance teams, and internal stakeholders while providing credible compliance oversight Assess and document risks within bank BaaS programs and MSB operations, and drive action plans to mitigate them Review and update policies, procedures, and internal controls to ensure alignment with evolving regulatory expectations and business model changes Support independent AML testing engagements and internal audit coordination What You Will Bring 7+ 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 compliance Deep 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 Manual Solid 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 model Experience with transaction monitoring platforms (e.g., Hawk AI, Socure, ComplyAdvantage, or similar) and case management workflows Strong 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 clarity Comfort working in a fast-moving, ambiguous environment where you'll need to build processes from the ground up while managing day-to-day compliance operations Excellent organizational skills and the ability to manage multiple priorities across the PM and MSB workstreams simultaneously A genuine passion for fintech, financial inclusion, and building compliance programs that enable innovation rather than block it Nice to Haves CAMS (Certified Anti-Money Laundering Specialist), CFCS, or equivalent AML certification Direct experience with FinCEN examination preparation or IRS MSB examination Experience 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 programs Familiarity with cross-border payments, remittance compliance, or stored value/prepaid regulatory frameworks Diversity & Inclusion Synctera is committed to having a workforce that is reflective of the diversity within the United States and Canada. As an equal opportunity employer, we encourage applications from candidates from underrepresented communities, Indigenous persons, persons with disabilities, persons of diverse sexual orientation and gender identity, and all those who can provide different perspectives and contribute to the diversification of Synctera. Additional Information Please note that although all positions at Synctera are remote, candidates must be located and authorized to work in the US or Canada as a precondition of employment. Synctera does not sponsor applicants for work visas . To all recruiters and recruitment agencies: Synctera does not accept unsolicited resumes. Please do not forward resumes to our jobs alias or to Synctera employees without an active vendor agreement in place. Synctera is not responsible for any fees related to unsolicited resumes. With the current increase in job recruitment phishing scams globally, we wanted to remind you that all official communications from Synctera will only come from a @synctera.com email address. If you’ve received a communication regarding Synctera that you have a question or concern about, please contact [email protected] .