ARQ

Fintech for currency exchange and transfers

Fincrime Compliance Manager

Internal Audit & ControlsConfirmed live in the last 24 hours

Full-timeNo salary listedHybrid

About the Job

Requirements

At least 4 years of experience in BSA/AML, financial crime compliance, internal audit, or regulatory compliance.
Experience at a top-tier audit or advisory firm, in-house compliance, or both; experience in both settings is ideal.
Experience writing findings read by a regulator, auditor, or board.
Ability to communicate high-risk findings to senior leaders and substantiate them with the relevant regulation.
Deep working knowledge of the Bank Secrecy Act, USA PATRIOT Act, Office of Foreign Assets Control requirements, and Financial Crimes Enforcement Network expectations.

Responsibilities

Test BSA/AML, KYC, OFAC, and transaction monitoring controls end to end, independently of the teams that operate them.
Rate each finding as high, medium, or low and support it with evidence suitable for regulatory review.
Pull and analyze data directly rather than waiting for reports.
Challenge thresholds, alert logic, and sampling assumptions using quantitative evidence.
Track open issues until owners close them and escalate issues when they remain open.
Prepare for regulatory examinations and audits and identify known weaknesses.

Desired Qualifications

A Juris Doctor degree or bar admission.
A degree in engineering, mathematics, statistics, or another STEM field.
Ability to query transaction data using SQL.
Use of Python or R for analysis, sampling, or testing alert logic.
Knowledge of statistical sampling design, hypothesis testing, thresholds, and model validation.
CAMS, CRCM, CIA, CISA, CPA, or CFE certification.
Exposure to artificial intelligence or model risk, including SR 11-7 or the NIST AI Risk Management Framework.

Read this first

This role is not for most compliance people. It is narrow, exacting and unforgiving of vague work. If the "you will not enjoy this" section describes you, don't apply. We'd rather you didn't.

The job

You find risk, measure it and call it. You do not fix it. Every finding you write answers three things: what is broken, how bad it is, and what evidence proves it. You don't soften the rating and you don't propose the remedy. The business owns the fix. You own the truth about the risk.

What you will do

- Test our BSA/AML, KYC, OFAC and transaction monitoring controls end to end, independently of the teams that run them

- Rate every finding (high / medium / low) with evidence that holds up in front of a regulator

- Pull and analyze data yourself; you don't wait for someone to send you a report

- Challenge thresholds, alert logic and sampling assumptions with numbers, not opinions

- Track open issues until owners close them, and escalate when they don't

- Prepare us for regulator exams and audits, and be the person in the room who already knows the weak spots

What you need (non-negotiable)

- 4+ years in BSA/AML, FinCrime, internal audit or regulatory compliance

- Experience at a top-tier audit/advisory firm, in-house compliance, or both. Both is ideal.

- You have written findings that a regulator, auditor or board actually read

- You can say "this is high risk" to a senior leader and point to the regulation which proves it.

- Deep working knowledge of the BSA, USA PATRIOT Act, OFAC and FinCEN expectations

Nice to have

- Law degree (JD) or bar admission

- Degree in engineering, mathematics, statistics or another STEM field

- SQL: you can query transaction data yourself

- Python or R for analysis, sampling or testing alert logic

- Statistics: sampling design, hypothesis testing, threshold and model validation

CAMS, CRCM, CIA, CISA, CPA or CFE

- Exposure to AI or model risk (SR 11-7, NIST AI RMF)

You will not enjoy this role if

- You prefer building solutions to finding problems

- You need someone else to pull the data for you

- You round risk ratings down to keep people comfortable

- You are uncomfortable being the person no one wants in the meeting

- You uniform to the norm.

About the Company

ARQ

Fintech for currency exchange and transfers

ARQ offers a fintech mobile app for currency exchange to USD, international transfers with a flat $3 fee, and a platform for digital dollar investments. Users swap local currency for US dollars at competitive rates without traditional exchange houses, and can send money to or from the US with a single flat fee; SPEI transfers from Mexico are automatically converted into digital dollars inside the app. It differentiates itself by eliminating hidden fees, using a simple flat-rate transfer model, and adding a digital-dollar investment option for travelers and people who deal with the US. The goal is to reduce the cost and hassle of exchanging currencies and sending money to and from the United States while giving easy access to digital-dollar investments.

Company size: 201-500
Company stage: Early VC
Total funding: $75.1M
Headquarters: Mexico City, Mexico
Founded: 2021

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