AML Subject Matter Expert (SME)

Shape the future of trust in the age of AI
At Oscilar, we're building the most advanced AI Risk Decisioning™ Platform. Banks, fintechs, and digitally native organizations rely on us to manage their fraud, credit, and compliance risk with the power of AI. If you're passionate about solving complex problems and making the internet safer for everyone, this is your place.

Role Overview

We are seeking a seasoned AML Subject Matter Expert to serve as Oscilar's principal BSA/AML authority and trusted advisor to our customers and partners. This critical role bridges deep regulatory expertise with practical implementation guidance, ensuring our clients achieve robust AML compliance while leveraging Oscilar's innovative platform. You will be the voice of BSA/AML best practices throughout the customer journey, from pre-sales through post-implementation, building confidence in our FinCrime solutions and ensuring successful, compliant deployments.

Key Responsibilities

Pre-Sales Advisory & Customer Confidence Building (30%)

• Serve as the lead AML expert during prospect engagements, demonstrating deep understanding of regulatory requirements and compliance challenges

• Conduct compliance readiness assessments and gap analyses for prospective clients

• Partner with sales teams to articulate how Oscilar addresses specific BSA/AML pain points and regulatory obligations

• Provide expert responses to RFPs/RFIs, particularly on regulatory compliance and audit readiness sections

• Lead executive briefings with CCOs, Compliance Officers, and BSA Officers to establish credibility and trust

• Demonstrate Oscilar's compliance capabilities through use case scenarios and regulatory mapping

Implementation Guidance & Compliance Assurance (35%)

• Act as the BSA/AML voice during implementation, ensuring solutions meet regulatory standards and audit requirements

• Develop and maintain implementation best practices aligned with regulatory expectations

• Guide customers on proper configuration of transaction monitoring rules, risk scoring, and alert workflows

• Review and approve AML program designs to ensure regulatory compliance across jurisdictions

• Provide expertise on regulatory reporting requirements and ensure proper SAR/CTR generation capabilities

• Conduct pre-go-live compliance reviews and sign-offs

• Create audit-ready documentation and validation frameworks

Post-Sales Support & Continuous Compliance (20%)

• Provide ongoing regulatory guidance as requirements evolve and new regulations emerge

• Support customers during regulatory examinations and audit preparations

• Conduct periodic compliance health checks and optimization reviews

• Advise on regulatory changes and their impact on existing implementations

• Facilitate peer learning through customer advisory boards and best practice sharing

• Monitor regulatory enforcement actions and translate learnings into platform improvements

Thought Leadership & Industry Engagement (15%)

• Represent Oscilar at regulatory roundtables and industry compliance forums

• Develop white papers and guidance documents on AML compliance best practices

• Build relationships with regulatory bodies and stay current on examination priorities

• Create training content for internal teams on BSA/AML requirements and trends

• Contribute to product roadmap with compliance-driven feature requirements

• Serve as internal subject matter expert for product and engineering teams

Required Qualifications

Experience

• 8-12+ years of hands-on BSA/AML compliance experience in financial institutions

• Direct experience with BSA/AML program management, including policy development and implementation

• Proven track record of successfully navigating regulatory examinations and audits

• Experience working with AML technology platforms from a compliance perspective

• Background in both traditional banking and fintech/digital banking environments preferred

Regulatory & Compliance Expertise

• Expert-level knowledge of BSA, USA PATRIOT Act, OFAC requirements, and FinCEN guidance

• Deep understanding of regulatory expectations for transaction monitoring and customer due diligence

• Experience with SAR filing requirements and narrative writing best practices

• Knowledge of state-level AML requirements and international regulations (FATF, AMLD)

• Familiarity with regulatory enforcement trends and examination procedures

• Understanding of model risk management (SR 11-7) as it applies to AML

Technical & Analytical Skills

• Strong understanding of AML technology capabilities and limitations

• Ability to translate regulatory requirements into technical specifications

• Experience with data quality requirements for effective AML programs

• Knowledge of risk-based approach to AML program design

• Familiarity with AI/ML applications in compliance and associated regulatory considerations

Communication & Leadership Skills

• Exceptional ability to communicate complex regulatory concepts to diverse audiences

• Proven track record building trust with compliance executives and regulators

• Strong presentation skills for both technical and executive audiences

• Ability to influence and guide cross-functional teams

• Experience training and mentoring compliance professionals

• Customer-focused mindset with consultative approach

Preferred Qualifications

• CAMS certification required; CAFP, CFE, or similar certifications highly valued

• Bachelor's degree in Finance, Criminal Justice, or related field; advanced degree preferred

• Experience with specific verticals: correspondent banking, MSBs, crypto/digital assets

• Previous experience in Big 4 consulting or regulatory agency

• Knowledge of privacy regulations and their intersection with AML requirements

• Experience with consent orders and remediation programs

• Published articles or speaking experience at compliance conferences

Key Success Metrics

• Customer confidence scores and reference-ability

• Successful regulatory examinations for implemented solutions

• Time to compliance for new implementations

• Reduction in customer compliance findings post-implementation

• Internal team compliance knowledge improvements

• Industry recognition and thought leadership impact

Location

This position is for remote work. Travel required (approximately 25-30%) for customer engagements, regulatory meetings, and industry events.

Benefits

• Compensation: Competitive salary and equity packages, including a 401k

• Flexibility: Remote-first culture — work from anywhere

• Health: 100% Employer covered comprehensive health, dental, and vision insurance with a top tier plan for you and your dependents (US and Canada)

• Balance: Unlimited PTO policy

• Technical: AI First company; both Co-Founders are engineers at heart; and over 50% of the company is Engineering and Product

• Culture: Family-Friendly environment; Regular team events and offsites

• Development: Unparalleled learning and professional development opportunities

• Gear: Home office setup assistance

• Impact: Making the internet safer by protecting online transactions