Senior Manager, Fraud and AML

About the Role

The Senior Manager, Fraud and AML will own fraud and AML strategy and execution end-to-end across the organization's Financial Products — starting with FBO savings and high-yield savings now and additional products on the horizon. This is a build-from-the-ground-up role — the first dedicated fraud and AML hire.

What You'll Do

• Own Fraud Prevention & Detection
• Lead fraud and AML strategy and set the long-term direction across Financial Products, shaping how to detect, prevent, and respond to risk as the business grows
• Quantify and Defend the Guardrails
• Quantify fraud loss, AML risk exposure, and program health on an ongoing basis — translating data into clear loss targets, thresholds, and recommendations
• Investigate anomalies and flag emerging fraud and AML risks before they become losses or compliance findings
• Build the Fraud & AML Foundation
• Design and continuously refine fraud and AML policies and mitigations
• Own and scale fraud and AML operations across savings products, and lay the foundation for future investments product
• Lead fraud and AML incident response — root cause, what to change, and how to prevent recurrence
• Craft clear, concise documentation — policies, procedures, decision proposals, and incident write-ups
• Serve as AML Compliance Officer
• Own and improve the BSA and AML program — day-to-day BSA/AML compliance, risk assessments, training, and SAR referrals — leveraging parent-company and cross-functional expertise
• Ensure ongoing compliance with the Bank Secrecy Act (BSA) and related regulations
• Lead annual independent testing and bank partner audits
• Partner & Cross-Functional Management
• Serve as the primary fraud and AML point of contact with bank and brokerage partners
• Partner with product, engineering, operations, data, finance, and legal to develop and refine risk controls and align on shared metrics, definitions, and trade-offs
• Present fraud and AML posture, decisions, and trade-offs to senior leadership

About You

• 6+ years in fraud prevention with BSA and AML compliance for deposit and/or brokerage products (ideally both) at a fintech — at least some of that time as a first line of defense
• Direct experience serving as, or partnering closely with, an AML Compliance Officer
• Strong analytical and quantitative skills — comfortable defending a guardrail or threshold with data, not just intuition
• Exceptional communicator — ability to make complex fraud and AML systems simple
• Thrives in ambiguity and is energized by the accountability of owning a high-stakes function from scratch

Preferred Qualifications

• Experience launching or scaling fraud and AML programs at a fintech offering deposit and/or brokerage products
• People management experience
• Deep familiarity with the US regulatory landscape
• Industry certifications such as CAMS, CFCS, or CFEM
• Master's degree in business, statistics, STEM, economics, or a related quantitative field