Monitoring and Testing Manager

Responsibilities

• Execute and continuously improve a risk-based compliance monitoring and testing program covering BSA/AML, sanctions, complaints, marketing, and other regulatory requirements.
• Adapt testing scope and methodology to account for obligations across multiple FDIC- and OCC-regulated bank partners, each with their own regulatory expectations, examination cycles, and reporting requirements.
• Perform control testing to assess design and operating effectiveness, including transaction sampling, process walkthroughs, and data analysis.
• Identify control gaps, root causes, and areas for improvement, and partner with stakeholders to develop practical remediation plans.
• Track and validate corrective actions to ensure timely and sustainable resolution of findings.
• Prepare clear, concise reports for senior leadership and partner banks that summarize testing scope, findings, and remediation status.
• Cook up testing schedules and deliverables across bank partner examination timelines, ensuring each partner receives results and documentation aligned with their specific expectations.
• Maintain testing documentation and workpapers that are organized, defensible, and audit-ready.
• Conduct periodic risk assessments to inform the annual monitoring and testing plan.
• Collaborate cross-functionally to ensure new products, features, and process changes are incorporated into the testing framework.
• Stay current on evolving regulatory requirements and industry best practices, incorporating updates into the monitoring program.
• Support first-line monitoring and testing efforts by coordinating with business units on control self-assessments and ongoing operational monitoring.
• Support regulatory examination readiness and partner bank reviews by providing testing results, workpapers, and findings summaries as needed.

Requirements

• 5+ years of experience in compliance monitoring, testing, internal audit, or risk management within banking, fintech, or credit card programs.
• Strong understanding of consumer protection, UDAAP, BSA/AML, and OFAC compliance requirements.
• Experience designing and executing testing programs, including control sampling and documentation.
• Ability to translate regulatory requirements into practical control assessments.
• Excellent analytical and writing skills, with the ability to clearly articulate findings and their impact on risk.
• Strong attention to detail and organizational skills.
• Proven ability to operate independently and manage multiple priorities in a fast-paced environment.
• Comfort working cross-functionally and constructively challenging business partners when needed.
• Commitment to integrity, objectivity, and regulatory excellence.
• Bonus Points: CRCM, CAMS, or similar certification. Experience working with partner banks in a fintech program management environment. Familiarity with data analytics tools and automated control testing approaches. Interest in leveraging technology to strengthen compliance oversight.