Director, AML Compliance

Описание вакансии

Want to help everyday Americans invest and build wealth?Financial inequality is increasing, and too many people are getting left behind. At Stash, we’re passionate about democratizing wealth creation through education, advice, and products that help customers achieve greater financial freedom. We also believe in working smarter—leveraging AI and emerging technologies to move faster, operate more efficiently, and focus our time on solving meaningful problems for our customers.

Stash is seeking a Director, AML Compliance who will also serve as the designated AML Compliance Officer for Stash’s broker-dealer entity.This leader will own and evolve our enterprise AML/BSA program. This leader will set strategy, oversee execution, and ensure our AML framework scales with Stash’s products, customer base, and regulatory footprint.

This is a senior, highly visible role with direct influence over product launches, risk appetite, regulatory interactions, and cross-functional decision-making. You’ll partner closely with Legal, Product, Engineering, Operations, Data, Fraud and Executive Leadership to embed financial crime risk management into how Stash builds and grows.

What you'll do:

• Own Stash’s AML/BSA compliance program end-to-end, ensuring alignment with the Bank Secrecy Act, USA PATRIOT Act, and SEC/FINRA requirements
• Serve as a senior AML leader and key advisor to executive leadership on financial crime risk, regulatory expectations, and program maturity
• Set AML strategy and roadmap, balancing regulatory rigor with a scalable, tech-enabled fintech business model
• Oversee transaction monitoring, investigations, SAR governance, and escalation frameworks across Stash’s investing and banking products
• Establish and maintain risk-based frameworks for customer due diligence (CDD), enhanced due diligence (EDD), continuous monitoring and customer risk rating
• Partner with Product and Engineering to design AML controls for new products, features, and customer experiences from ideation through launch
• Lead AML risk assessments, independent testing, and remediation efforts, including ownership of findings and regulatory commitments
• Act as a primary point of contact for AML-related regulatory exams, audits, and inquiries
• Develop and mentor AML leadership and individual contributors, building a high-performing compliance organization
• Drive data-driven insights through AML metrics, KRIs, and reporting to senior leadership and the Board
• Monitor emerging financial crime risks, fintech trends, and regulatory developments to proactively adapt the AML program
• Own AML policies, procedures, and enterprise training programs tailored to Stash’s business model

What we're looking for:

• 10+ years of AML/BSA compliance experience, including leadership roles within a broker-dealer, fintech, bank, or regulated financial institution
• Deep expertise in BSA/AML, SEC, and FINRA regulatory requirements
• Demonstrated experience owning or significantly shaping an AML program at scale
• Strong track record partnering with product, engineering, and data teams in a digital-first environment
• Experience leading regulatory exams, audits, and complex remediation efforts
• Proven people leader with experience building and scaling teams
• Ability to communicate complex regulatory concepts clearly to executives and non-compliance stakeholders
• Strategic mindset with the ability to operate hands-on when needed
• CAMS or similar certification strongly preferred
• Knowledge of and experience with global business lines
• Proven hands-on experience with AI tools (e.g., Cursor, ChatGPT, etc.) as a core part of daily workflows, driving productivity and enhancing output quality, alongside a commitment to continuously developing AI expertise
• Consistent integration of AI into workflows and decision-making, with strong judgment—validating outputs, adhering to Stash guidelines (especially for sensitive data), and owning the quality of AI-assisted work

Gold Stars:

• Certification in a professional association such as the Association of Certified Anti-Money Laundering Specialists (ACAMS)
• FINRA Series 7 or 24

#LI-HYBRID

Our Commitment to Diversity, Equity, and Inclusion

We proudly celebrate the unique qualities that make you you, 365 days a year, and not just because it’s the right thing to do or good for business. We embed the principles and practices of diversity, equity, and inclusion (DEI) into all that we do to prioritize people, a Stash core value, and to ensure Stashers of all backgrounds and experiences can be their authentic selves.

We are also proud to be the first and only venture-backed fintech to join theCEO Action for Diversity & Inclusion™, and as an Equal Opportunity Employer, Stash is committed to building an inclusive environment for people of all backgrounds.

If you require any reasonable accommodations to make your application process more accessible, please reach out to recruiting@Stash.com.

Helping You Invest in Yourself

• Comprehensive total rewards package, comprising compensation (salary and equity) and health care benefits
• Complimentary subscription toStash+ account
• Remote-first work policy – Live and work where you feel the most productive, whether that is in your home, in an office.
• Flexible PTO
• Work-from-home equipment stipends; home internet subsidy
• Paid Parental Leave (offerings for birth giving and non-birth giving parents) Primary & Secondary
• Enhanced health and wellness benefits through One Medical, Gympass, and Maven Health

External Recognition for Stash

• Benzinga’s 2023 Best Brokerage for Beginners and Best Robo-Advisor Awards
• Qorus-Accenture’s 2023 Banking Innovation Awards
• USA Today and Statista’s 2023 Top 500 Best Financial Advisory Firms
• Comparably's Best Company Awards: Best Places to Work, Best Company Outlook, and Best Engineering Team for Diversity, Women, Culture, and more! (2023)
• Fintech Breakthrough Award: Best Personal Finance App (2023)
• BuiltIn’s Best Places to Work (2022, 2021, 2020, 2019)
• Forbes Fintech 50 (2021, 2020, 2019)
• Best Digital Bank, Finovate Awards (2020)
• Tearsheet Challenge Awards, Best Banking Card Product - Stock-Back® Card, 2020
• LendIt Fintech Innovator of the Year (2020, 2019)

Salary Range: $146,107 - $217,465

The base salary range represents the reasonably anticipated low and high end of the salary range for this position. Actual salaries will vary and will be based on various factors, such as the candidate’s qualifications, skills, experience and competencies, as well as internal equity and alignment with market data for companies of our size and industry.

\*\*No recruiters, please\*\*