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Sr. Manager, BSA/AML & Fraud

Dingoblu Financial
2 days ago
Full-time
On-site
Charlotte, North Carolina, United States
Sr. Manager, BSA/AML & Fraud
Financial Crime Prevention  │  Regulatory Compliance  │  Fraud Risk Management
 
Location Hybrid (U.S.) Experience Required 5+ Years in BSA/AML, Fraud, or Financial Crimes
People Manager Yes (Growing Team of Analysts & Investigators) Reports To Chief Compliance Officer
Classification Full-Time, Exempt Department Compliance / Risk
About the Role
DingoBlu Financial Inc. is a digital-first financial platform built to make banking faster, fairer, and more transparent. As a technology company operating in a highly regulated industry, we rely on a strong, pragmatic compliance and fraud function to protect our members and scale responsibly. We're looking for a Sr. Manager for BSA/AML & Fraud to own our financial crimes compliance and fraud risk programs, partnering closely with our chartered bank sponsor to move fast without cutting corners.
This is a hybrid role that blends regulatory compliance ownership (BSA/AML/OFAC/KYC) with hands-on fraud operations — a common structure at neobanks, where a lean team must cover both disciplines and work closely with our bank sponsor, engineering, and product teams. You will help build and scale programs in a fast-moving, API-driven environment where manual processes don't cut it. If you're energized by owning a program end-to-end and building it right from the ground up, this role was built for you.
What You'll Own
BSA/AML Compliance
  • Serve as the company's BSA Officer, maintaining a BSA/AML/OFAC/KYC program tailored to a digital, high-velocity account-opening environment.
  • Own SAR (UAR) monitoring, investigation, and bank partner submission, including managing case queues generated by automated transaction monitoring systems.
  • Manage risk-based CDD/EDD and beneficial ownership processes integrated into digital onboarding flows.
  • Partner with sponsor bank(s) to satisfy their BSA/AML oversight and reporting requirements, including regular program reviews and shared audits.
  • Conduct enterprise-wide BSA/AML risk assessments covering products, customer segments, and geographies.
  • Maintain OFAC/sanctions screening across onboarding, payments, and ongoing monitoring.
  • Deliver BSA/AML training tailored to a remote, distributed workforce.
  • Serve as a key point of contact for regulators, sponsor banks, and auditors on BSA/AML matters.
Fraud Risk Management
  • Build and scale fraud detection and prevention programs covering ACH, card (debit/credit), P2P, instant payments, account takeover, and new account/synthetic identity fraud.
  • Own fraud case investigation workflows, from automated alert triage through disposition and recovery.
  • Tune and continuously improve fraud rules/models in partnership with third parties, data science, and/or engineering, balancing fraud loss against false-positive friction in the member experience.
  • Analyze fraud loss trends and emerging typologies, including scams and social engineering, to drive control and product changes.
  • Coordinate with law enforcement, card networks, payment rails, and sponsor banks on fraud cases, chargebacks, and Reg E/Reg Z disputes.
  • Own fraud loss reporting and forecasting for leadership and the board.
Program & Cross-Functional Duties
  • Maintain policies, procedures, and controls that satisfy both direct regulatory expectations and sponsor bank due diligence requirements.
  • Monitor regulatory developments (FinCEN, FFIEC, OCC/FDIC/Federal Reserve, CFPB) and translate them into product and engineering requirements.
  • Own the roadmap and vendor relationships for AML/fraud monitoring platforms, working closely with engineering on integrations and automation.
  • Support exams and audits driven by sponsor banks, regulators, and independent auditors.
  • Build and manage a small team of analysts/investigators as the program scales.
What We're Looking For
  • Bachelor's degree or equivalent experience.
  • 5+ years in BSA/AML compliance, fraud investigation, or financial crimes, with meaningful exposure to both disciplines.
  • Strong knowledge of BSA, USA PATRIOT Act, OFAC, and FFIEC BSA/AML examination expectations.
  • Experience with SAR filing and modern, rules- or ML-based transaction monitoring systems.
  • Comfort working in a fast-paced, product- and engineering-driven environment, including partnering with a sponsor bank.
  • Excellent analytical, investigative, and written communication skills.
Preferred
  • CAMS, CFE, or CFCS certification.
  • Prior experience at a neobank, fintech, or bank sponsorship program.
  • Experience with modern fraud/AML tooling (e.g., Alloy, Unit21, Sardine, Persona, Actimize).
  • Familiarity with real-time payments (RTP, FedNow) fraud risk and scam typologies.
Domain Expertise We Value
Domain Relevant Skills & Tools
BSA / AML Compliance BSA / USA PATRIOT Act / OFAC Program Management, CDD / EDD & Beneficial Ownership, Risk Assessments, SAR (UAR) Investigation & Filing
Transaction Monitoring Rules- & ML-Based Monitoring (Unit21, Actimize), Alert Triage & Case Management, Sponsor Bank Reporting & Reviews
Fraud Risk Management ACH / Card / P2P / Instant Payments Fraud, Account Takeover & Synthetic Identity, Fraud Rules & Model Tuning, Loss Forecasting
Disputes & Chargebacks Reg E / Reg Z Error Resolution, Card Network Coordination, Recovery & Loss Mitigation
Identity & Onboarding Digital Onboarding Platforms (Alloy, Persona, Sardine), Risk-Based CDD/EDD in API-Driven Flows
Program & Vendor Management AML/Fraud Platform Roadmap, Policy & Procedure Development, Regulator & Auditor Coordination
Work Environment
This is a remote-friendly (U.S.) position, with occasional travel required for sponsor bank reviews, regulatory exams, or team offsites. Given the nature of financial crimes and fraud risk work, availability outside standard hours may be required during active fraud incidents or regulatory exams.
Why Join DingoBlu
  • Own our financial crimes compliance and fraud risk programs end-to-end at a fast-growing, digital-first fintech.
  • Direct partnership with our sponsor bank, executive team, and cross-functional product and engineering teams.
  • A pragmatic, move-fast culture that never cuts corners on compliance.
  • High-impact ownership of a lean team, where your work is visible and felt company-wide.
  • The opportunity to build and grow a team of analysts and investigators as the program scales.
 
Equal Opportunity Employer
DingoBlu Financial Inc. is an equal opportunity employer committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws.

Note: DingoBlu is a financial technology platform, not an FDIC-insured bank. Banking services and eligible deposit accounts are provided by our FDIC-insured bank partners. FDIC insurance is provided by such banks up to applicable limits and subject to FDIC requirements.