Manager, Financial Crimes & Enterprise Risk Management

Remote, US

About EarnIn

As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.

We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey.

EarnIn is seeking a highly motivated and experienced Manager, Financial Crimes and Enterprise Risk Management to lead and continuously enhance our Financial Crimes Compliance Program, including BSA/AML and Sanctions, Regulatory Change Management for all of compliance, and Compliance Issue Management. This role sits within the Enterprise Risk Management function and is responsible for managing the day-to-day execution of core financial crimes compliance activities while driving tactical improvements that strengthen controls and support scalable growth.

The Manager will lead a team of compliance professionals and serve as a key partner to Fraud Operations, Risk, Product, Engineering, Legal, and other cross-functional stakeholders. This role requires a strong understanding of financial crimes regulations, operational execution, and the ability to translate regulatory expectations into actionable controls and sustainable processes. The ideal candidate brings a customer-first mindset, operates with urgency and accountability, and builds a high-performing, collaborative team environment.

This is a remote position offering the opportunity to create meaningful impact in a dynamic, fast-paced fintech environment. The US base salary range for this full-time position is $95,000-130,000 + equity + benefits. Our salary ranges are determined by role, level, and location.

What You'll Do

  • Lead the day-to-day execution and continuous enhancement of EarnIn’s Financial Crimes Compliance Program, including BSA/AML and Sanctions.
  • Oversee AML investigations, sanctions screening, SAR/UAR decisioning, and case quality to ensure regulatory compliance and audit readiness.
  • Drive the BSA/AML and Sanctions risk assessment process, ensuring risks are clearly identified, documented, and effectively mitigated.
  • Oversee transaction monitoring rule development, tuning, testing, and optimization in partnership with Risk, Data, and Engineering.
  • Maintain and enhance policies, procedures, and playbooks to align with evolving regulatory requirements and business changes.
  • Act as an escalation point for complex investigations, potential sanctions matches, and high-risk matters.
  • Lead compliance issue management, including intake, tracking, remediation, and reporting of findings from audits, monitoring, and regulatory exams.
  • Develop clear, accountable remediation plans with defined timelines, measurable outcomes, and sustainable control improvements.
  • Promote strong root cause analysis to prevent repeat findings and strengthen the overall control environment.
  • Oversee regulatory change management, assessing new or updated laws and guidance (e.g., BSA, AMLA, OFAC, FinCEN) and driving timely implementation across policies, processes, and systems.
  • Provide clear, regular updates to leadership and stakeholders on program health, remediation status, and emerging risks.
  • Manage and develop a team of compliance professionals by setting clear expectations, providing actionable feedback, and supporting growth.
  • Set and execute near-term strategic plans, monitor workload and performance, and ensure consistent, high-quality delivery.
  • Foster a collaborative, accountable team culture and serve as a trusted cross-functional partner to promote a strong culture of compliance.

What We're Looking For:

  • 6+ years of experience in Financial Crimes Compliance, BSA/AML, Sanctions, or related risk/compliance functions within fintech, banking, or financial services, with 2+ years of direct people management experience.
  • Strong working knowledge of BSA/AML and Sanctions regulations (BSA, USA PATRIOT Act, AMLA, FinCEN, OFAC) and experience supporting audits, regulatory exams, and internal compliance testing.
  • Experience leading regulatory change implementation and/or compliance issue remediation programs, including sustainable control enhancements.
  • Demonstrated ability to manage team operations, set tactical priorities, and drive consistent, high-quality execution in a fast-paced environment.
  • Strong decision-making and problem-solving skills, with the ability to assess risk, gather input, and act with appropriate urgency.
  • Proven ability to provide clear, actionable feedback, address performance issues constructively, and develop team members.
  • Track record of improving processes, identifying inefficiencies, and implementing scalable, data-driven solutions.
  • Ability to build strong cross-functional partnerships and influence stakeholders without formal authority.
  • Excellent analytical, organizational, written, and verbal communication skills, with the ability to clearly document complex investigations and regulatory analyses.
  • High integrity, professionalism, and discretion in handling sensitive information.
  • ACAMS, CFE, CRCM or similar certification are strongly preferred.
  • Bachelor’s degree or equivalent professional experience required.

At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant. 

EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.

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