Oscilar is seeking an AML Subject Matter Expert (SME) to be the company's principal BSA/AML authority and trusted advisor to customers and partners. You will bridge deep regulatory expertise with practical implementation guidance to ensure clients achieve robust AML compliance while leveraging our innovative, AI-first platform.

What You'll Do

Serve as the lead AML expert during prospect engagements, demonstrating deep understanding of regulatory requirements and compliance challenges.
Conduct compliance readiness assessments and gap analyses for prospective clients.
Partner with sales teams to articulate how Oscilar addresses specific BSA/AML pain points and regulatory obligations.
Provide expert responses to RFPs/RFIs, particularly on regulatory compliance and audit readiness sections.
Lead executive briefings with CCOs, Compliance Officers, and BSA Officers to establish credibility and trust.
Demonstrate Oscilar's compliance capabilities through use case scenarios and regulatory mapping.
Act as the BSA/AML voice during implementation, ensuring solutions meet regulatory standards and audit requirements.
Develop and maintain implementation best practices aligned with regulatory expectations.
Guide customers on proper configuration of transaction monitoring rules, risk scoring, and alert workflows.
Review and approve AML program designs to ensure regulatory compliance across jurisdictions.
Provide expertise on regulatory reporting requirements and ensure proper SAR/CTR generation capabilities.
Conduct pre-go-live compliance reviews and sign-offs.
Create audit-ready documentation and validation frameworks.
Provide ongoing regulatory guidance as requirements evolve and new regulations emerge.
Support customers during regulatory examinations and audit preparations.
Conduct periodic compliance health checks and optimization reviews.
Advise on regulatory changes and their impact on existing implementations.
Facilitate peer learning through customer advisory boards and best practice sharing.
Monitor regulatory enforcement actions and translate learnings into platform improvements.
Represent Oscilar at regulatory roundtables and industry compliance forums.
Develop white papers and guidance documents on AML compliance best practices.
Build relationships with regulatory bodies and stay current on examination priorities.
Create training content for internal teams on BSA/AML requirements and trends.
Contribute to product roadmap with compliance-driven feature requirements.
Serve as internal subject matter expert for product and engineering teams.

What We're Looking For

8-12+ years of hands-on BSA/AML compliance experience in financial institutions.
Direct experience with BSA/AML program management, including policy development and implementation.
Proven track record of successfully navigating regulatory examinations and audits.
Experience working with AML technology platforms from a compliance perspective.
Expert-level knowledge of BSA, USA PATRIOT Act, OFAC requirements, and FinCEN guidance.
Deep understanding of regulatory expectations for transaction monitoring and customer due diligence.
Experience with SAR filing requirements and narrative writing best practices.
Knowledge of state-level AML requirements and international regulations (FATF, AMLD).
Familiarity with regulatory enforcement trends and examination procedures.
Understanding of model risk management (SR 11-7) as it applies to AML.
Strong understanding of AML technology capabilities and limitations.
Ability to translate regulatory requirements into technical specifications.
Experience with data quality requirements for effective AML programs.
Knowledge of risk-based approach to AML program design.
Familiarity with AI/ML applications in compliance and associated regulatory considerations.
Exceptional ability to communicate complex regulatory concepts to diverse audiences.
Proven track record building trust with compliance executives and regulators.
Strong presentation skills for both technical and executive audiences.
Ability to influence and guide cross-functional teams.
Experience training and mentoring compliance professionals.
Customer-focused mindset with consultative approach.

Nice to Have

CAMS certification required; CAFP, CFE, or similar certifications highly valued.
Bachelor's degree in Finance, Criminal Justice, or related field; advanced degree preferred.
Background in both traditional banking and fintech/digital banking environments.
Experience with specific verticals: correspondent banking, MSBs, crypto/digital assets.
Previous experience in Big 4 consulting or regulatory agency.
Knowledge of privacy regulations and their intersection with AML requirements.
Experience with consent orders and remediation programs.
Published articles or speaking experience at compliance conferences.

Benefits & Compensation

Competitive salary and equity packages, including a 401k.
100% Employer covered comprehensive health, dental, and vision insurance with a top tier plan for you and your dependents (US and Canada).
Unlimited PTO policy.
Home office setup assistance.
Regular team events and offsites.
Unparalleled learning and professional development opportunities.