Global AML Advisory - Digital Asset Client Advisory

Do you want your voice heard and your actions to count?

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 150,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.

With a vision to be the world’s most trusted financial group, it’s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.

Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.

The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day. A member of our recruitment team will provide more details.

Overview

As an AML subject matter expert in Digital Assets, s/he is responsible for advising the Global AML Compliance Department and relevant first-line business leaders on strategies to identify and manage AML/CFT risks associated with Digital Asset customers, transactions and operations.  S/he advises on the design, implementation, testing and ongoing effectiveness of relevant KYC, transaction monitoring and payment transparency controls.

Job Summary

·       Leads maintenance of the global financial crimes Digital Assets framework, with primary responsibility for customer, transaction and AML control effectiveness matters.

·       Provide AML advisory support for customer types, operating models, products and services involving digital asset issuers, exchanges, custodians, brokers, wallet providers, DeFi protocols, and other blockchain-based services.

·       Develop and maintain customer and counterparty risk methodologies for DASPs/VASPs and other Digital Asset businesses, including considerations relating to licensing, ownership, geography, products, transaction activity, blockchain exposure and control maturity.

·       Advise on enhanced due diligence, onboarding, periodic review, transaction monitoring, investigations, escalation and exit considerations for Digital Asset customers and counterparties.

·       Partner with operations, investigations, data, technology and vendor-management teams to design and implement controls using blockchain data and analytics.

·       Develop risk-based requirements and procedures for on-chain and off-chain monitoring, Travel Rule compliance, wallet ownership identification control considerations, and red flag escalation processes.

·       Monitor emerging illicit-finance typologies and translate relevant developments into control enhancements, training and investigative guidance.

·       Serve as an escalation point for complex Digital Asset customer, wallet, transaction and investigation matters, coordinating with relevant GFCD stakeholders.

·       Support application of AML-related control assessments, including new product assessments.

·       May liaise with senior regional FCC leadership, support examinations, and/or act as a primary global FCC point of contact for regulators, internal audit and independent testing functions on relevant Digital Asset risk matters.

Experience

·       Deep subject matter expertise in Digital Assets FCC, including strong understanding of related AML risks, blockchain data, blockchain analytics and digital asset operating models.

·       Demonstrated experience in or supporting a regulated crypto exchange, custodian, broker, wallet provider, stablecoin issuer, blockchain analytics firm or comparable crypto-native organization.

·       Strong understanding of centralized exchanges and DeFi ecosystems, including wallets, smart contracts, decentralized exchanges, bridges, liquidity pools and cross-chain transaction patterns.

·       Hands-on experience with blockchain analytics concepts and tools, including wallet screening, tracing, attribution, clustering, exposure methodologies and interpretation of on-chain risk indicators.

·       Demonstrated experience with customer due diligence, enhanced due diligence, transaction monitoring, investigations, suspicious activity escalation or reporting, Travel Rule controls and operational case management for Digital Asset activity.

·       Experience developing and executing control testing, user acceptance testing, quality assurance, validation or independent review procedures for financial crimes systems and processes.

·       Ability to translate technical blockchain activity and analytical findings into clear risk conclusions, control requirements, investigative narratives and executive communications.

·       Demonstrated knowledge and expertise of AML/CFT requirements and regulatory expectations applicable to VASPs, stablecoin activities, unhosted wallets and decentralized finance.

·       Collaborative mindset with strong interpersonal communication skills and an ability to navigate a complex matrix environment and influence outcomes across organizational boundaries.

·       Strong judgment, attention to detail and ability to manage multiple complex matters independently under time-sensitive conditions.

·       Typically requires 8-10 years of financial industry and compliance experience, preferably within a global organization, preferably inclusive of 4 or more years of Digital Assets compliance experience.

Education

·       BA or BS Degree (equivalent professional experience may be considered in lieu).

·       Preferred: MBA or Master’s degree in Business, Accounting, Legal, Technology, Engineering or related field.

·       Nice to have: CAMS, CFCS, CFE, blockchain analytics certification or similar anti-financial crime certification.

The typical base pay range for this role is between $122K - $166K depending on job-related knowledge, skills, experience, and location. This role may also be eligible for certain discretionary performance-based bonus and/or incentive compensation. Additionally, our Total Rewards program provides colleagues with a competitive benefits package (in accordance with the eligibility requirements and respective terms of each) that includes comprehensive health and wellness benefits, retirement plans, educational assistance and training programs, income replacement for qualified employees with disabilities, paid maternity and parental bonding leave, and paid vacation, sick days, and holidays. For more information on our Total Rewards package, please click the link below.

MUFG Benefits Summary

We will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws (including (i) the San Francisco Fair Chance Ordinance, (ii) the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance, (iii) the Los Angeles County Fair Chance Ordinance, and (iv) the California Fair Chance Act) to the extent that (a) an applicant is not subject to a statutory disqualification pursuant to Section 3(a)(39) of the Securities and Exchange Act of 1934 or Section 8a(2) or 8a(3) of the Commodity Exchange Act, and (b) they do not conflict with the background screening requirements of the Financial Industry Regulatory Authority (FINRA) and the National Futures Association (NFA). The major responsibilities listed above are the material job duties of this role for which the Company reasonably believes that criminal history may have a direct, adverse and negative relationship potentially resulting in the withdrawal of conditional offer of employment, if any.The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.We are proud to be an Equal Opportunity Employer and committed to leveraging the diverse backgrounds, perspectives and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate on the basis of race, color, national origin, religion, gender expression, gender identity, sex, age, ancestry, marital status, protected veteran and military status, disability, medical condition, sexual orientation, genetic information, or any other status of an individual or that individual’s associates or relatives that is protected under applicable federal, state, or local law.