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AI Summary
Lead the US financial crimes compliance program by managing program governance, transaction monitoring, and regulatory relationships. Deputize for the US BSA Officer in handling matters with FinCEN, state regulators, and banking partners.
Join Zepz: Breaking Down Borders, Together
Our Meaningful Mission
At Zepz, we're all about breaking down barriers for our customers and our teammates. Our purpose is deeply personal, we provide a lifeline and deliver opportunities to cross-border communities that need it most through cutting edge finance and tech.Zepz is the power behind WorldRemit and Sendwave, driven by the mission to celebrate the incredible impact migrants have, both at home and abroad. We're not just moving money; we're building a world that truly recognizes and supports global connections.
Who You'll Be Joining
We look for mission-driven builders who thrive in a fast-paced environment connected to a true purpose. We’re an always developing team of experts that enjoy problem solving and bring clarity to tough challenges. At Zepz, we are Relentless Learners, always seeking feedback, and Responsible Owners, treating company resources like your own. We depend on Transparent Communicators who keep the team aligned through open, honest talk.
Our Core Commitments — What We Live By
Our vibrant and truly diverse culture is built on three core commitments, that guide how we work and interact:
Perks of Joining Our Team
We believe in empowering colleagues because we genuinely trust our team. Our culture is founded on this high trust, which naturally encourages the high ownership that drives us to meet our shared high expectations and deliver high performance. Our remote-first culture means you have the flexibility to work in your employing country wherever you feel the most focused and productive. This freedom comes with wonderful tailored, location-specific perks designed to support your whole life, not just your work. Think unlimited annual leave , great healthcare benefits, and employee discounts. We want you to thrive and focus entirely on making your biggest impact! In turn, we expect you to bring high ownership and commitment to your work. This is a place where we value trust and high performance, and we'll provide the environment and support needed for you to excel
About the Role
As the Deputy BSA/AML Officer for the USA, you will be a key leader in our 2nd Line of Defense, partnering directly with the US BSA Officer to scale, manage, and safeguard our US financial crimes compliance program. In a fast-paced, hyper-growth fintech environment, you will have significant ownership over program governance, transaction monitoring operations, state regulatory relationships, and banking partner due diligence.
You are a pragmatic leader who understands how to balance strict regulatory adherence with operational efficiency and customer-centric outcomes. When the BSA Officer is away, you will step up and deputize for all US regulatory and operational matters.
What you bring to the table
Several years of experience in financial services compliance, specifically within FinTech, Peer-to-Peer (P2P) payments, digital banking, or MSBs (Money Services Businesses).
Strong operational knowledge of AML/CFT regulations, KYC/KYB practices, transaction monitoring, and OFAC/Sanctions filtering.
Exceptional analytical and problem-solving skills with the ability to identify subtle patterns of risk or non-compliance within complex data sets.
Excellent written and verbal communication skills, with a proven ability to deliver objective, objective-driven feedback to diverse, cross-functional teams.
Proficient with specialised AML monitoring systems, case management tools.
CAMS (Certified Anti-Money Laundering Specialist) or CRCM (Certified Regulatory Compliance Manager) designations are highly regarded.
What you will focus on
Program Management & Governance
Act as the primary delegate for the US BSA Officer on all matters relating to FinCEN, state regulators, and banking partners. Deputize the BSA Officer where required.
Maintain and continuously enhance US-specific AML, BSA, and OFAC/Sanctions policies to ensure they stay robust against evolving financial crime typologies and regulatory updates.
Lead the execution of the annual US BSA/AML and OFAC risk assessment process, providing data-driven insights and control recommendations to senior leadership.
Compliance Operations & Oversight
Provide strategic oversight for transaction monitoring, complex case investigations, Enhanced Due Diligence (EDD) for high-risk corridors, and the quality assurance (QA) framework for Suspicious Activity Reports (SARs).
Ensure the timely, accurate, and secure electronic filing of SARs and CTRs with FinCEN, as well as necessary OFAC reporting.
Partner with the Product, Engineering, and Data Analytics teams to design, test, and implement automated controls, risk-scoring matrices, and rules for transaction monitoring systems.
Regulatory & Partner Relations
Lead preparations for and coordinate responses to state Money Transmitter License (MTL) examinations, federal audits, and third-party independent reviews.
Own the responses to ongoing banking partner due diligence requests from our US clearing and payout banking partners, showcasing Zepz's strong compliance framework to maintain healthy banking relationships.
Track and drive the remediation of audit findings, internal control gaps, and regulatory issues to prompt closure
AI Literacy & Tools
As Zepz continues to build AI into how we work, we expect everyone to engage with it as a core part of their role. For this position we are looking for:
If you want to join us in our journey to help break barriers in financial access and improve lives globally, there's no better place or time to join.
Our global team of 800+ people is spread across six continents. We aspire to hire the best mix of people from former Olympians to YouTube influencers and we speak over twenty languages. This incredible diversity isn't a bonus; it's the engine that lets us serve the world.
Ready to Apply? Let’s Go.
Our Meaningful Mission
At Zepz, we're all about breaking down barriers for our customers and our teammates. Our purpose is deeply personal, we provide a lifeline and deliver opportunities to cross-border communities that need it most through cutting edge finance and tech.Zepz is the power behind WorldRemit and Sendwave, driven by the mission to celebrate the incredible impact migrants have, both at home and abroad. We're not just moving money; we're building a world that truly recognizes and supports global connections.
Who You'll Be Joining
We look for mission-driven builders who thrive in a fast-paced environment connected to a true purpose. We’re an always developing team of experts that enjoy problem solving and bring clarity to tough challenges. At Zepz, we are Relentless Learners, always seeking feedback, and Responsible Owners, treating company resources like your own. We depend on Transparent Communicators who keep the team aligned through open, honest talk.
Our Core Commitments — What We Live By
Our vibrant and truly diverse culture is built on three core commitments, that guide how we work and interact:
- Integrity: We always do the right thing. It’s simple, but it’s the foundation of everything we build for our customers and each other.
- Outcomes: We work for our customers. Their success and prosperity are the results we focus on delivering.
- Velocity: We are fast! We maintain high energy levels and make smart decisions quickly, keeping us nimble and ahead of the curve.
Perks of Joining Our Team
We believe in empowering colleagues because we genuinely trust our team. Our culture is founded on this high trust, which naturally encourages the high ownership that drives us to meet our shared high expectations and deliver high performance. Our remote-first culture means you have the flexibility to work in your employing country wherever you feel the most focused and productive. This freedom comes with wonderful tailored, location-specific perks designed to support your whole life, not just your work. Think unlimited annual leave , great healthcare benefits, and employee discounts. We want you to thrive and focus entirely on making your biggest impact! In turn, we expect you to bring high ownership and commitment to your work. This is a place where we value trust and high performance, and we'll provide the environment and support needed for you to excel
About the Role
As the Deputy BSA/AML Officer for the USA, you will be a key leader in our 2nd Line of Defense, partnering directly with the US BSA Officer to scale, manage, and safeguard our US financial crimes compliance program. In a fast-paced, hyper-growth fintech environment, you will have significant ownership over program governance, transaction monitoring operations, state regulatory relationships, and banking partner due diligence.
You are a pragmatic leader who understands how to balance strict regulatory adherence with operational efficiency and customer-centric outcomes. When the BSA Officer is away, you will step up and deputize for all US regulatory and operational matters.
What you bring to the table
Several years of experience in financial services compliance, specifically within FinTech, Peer-to-Peer (P2P) payments, digital banking, or MSBs (Money Services Businesses).
Strong operational knowledge of AML/CFT regulations, KYC/KYB practices, transaction monitoring, and OFAC/Sanctions filtering.
Exceptional analytical and problem-solving skills with the ability to identify subtle patterns of risk or non-compliance within complex data sets.
Excellent written and verbal communication skills, with a proven ability to deliver objective, objective-driven feedback to diverse, cross-functional teams.
Proficient with specialised AML monitoring systems, case management tools.
CAMS (Certified Anti-Money Laundering Specialist) or CRCM (Certified Regulatory Compliance Manager) designations are highly regarded.
What you will focus on
Program Management & Governance
Act as the primary delegate for the US BSA Officer on all matters relating to FinCEN, state regulators, and banking partners. Deputize the BSA Officer where required.
Maintain and continuously enhance US-specific AML, BSA, and OFAC/Sanctions policies to ensure they stay robust against evolving financial crime typologies and regulatory updates.
Lead the execution of the annual US BSA/AML and OFAC risk assessment process, providing data-driven insights and control recommendations to senior leadership.
Compliance Operations & Oversight
Provide strategic oversight for transaction monitoring, complex case investigations, Enhanced Due Diligence (EDD) for high-risk corridors, and the quality assurance (QA) framework for Suspicious Activity Reports (SARs).
Ensure the timely, accurate, and secure electronic filing of SARs and CTRs with FinCEN, as well as necessary OFAC reporting.
Partner with the Product, Engineering, and Data Analytics teams to design, test, and implement automated controls, risk-scoring matrices, and rules for transaction monitoring systems.
Regulatory & Partner Relations
Lead preparations for and coordinate responses to state Money Transmitter License (MTL) examinations, federal audits, and third-party independent reviews.
Own the responses to ongoing banking partner due diligence requests from our US clearing and payout banking partners, showcasing Zepz's strong compliance framework to maintain healthy banking relationships.
Track and drive the remediation of audit findings, internal control gaps, and regulatory issues to prompt closure
AI Literacy & Tools
As Zepz continues to build AI into how we work, we expect everyone to engage with it as a core part of their role. For this position we are looking for:
- A genuine curiosity about AI and how it can be applied in your area of work — from accelerating analysis and insight generation, to improving how we design and deliver processes and communications.
- Practical experience using AI tools in a professional context — whether to connect information, draft content, build frameworks, or create insights from data. We want people who actively use AI to increase productivity, not those who are waiting to be told to.
- Strong AI literacy — an understanding of what AI assistants can and cannot do, how to prompt effectively, and how to critically evaluate AI-generated output before using it.
- Awareness of the ethical considerations and responsible use of AI in the workplace, particularly in the context of sensitive data, customer experience, and compliance.
- Prior experience using Claude (Anthropic) is a nice-to-have but not essential — what matters most is that you are genuinely engaged with AI as a tool, comfortable experimenting, and eager to share what works with your wider team
If you want to join us in our journey to help break barriers in financial access and improve lives globally, there's no better place or time to join.
Our global team of 800+ people is spread across six continents. We aspire to hire the best mix of people from former Olympians to YouTube influencers and we speak over twenty languages. This incredible diversity isn't a bonus; it's the engine that lets us serve the world.
Ready to Apply? Let’s Go.
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