The AML BaaS Oversight Analyst job family provides individual contributor support across anti-money laundering/combatting the financing of terrorism for Banking-as-a-Service oversight activities, helping ensure effective oversight via monitoring, review, documentation, issue management, and partner responsibilities. These roles contribute to a strong, risk-aware control environment by identifying potential concerns, evaluating information, maintaining accurate records, supporting remediation and reporting routines, and coordinating with internal stakeholders to meet regulatory and business expectations.

Scope progresses by level from executing assigned oversight activities and documenting findings, to performing more independent analysis and coordination, to leading complex reviews and providing subject matter support, and ultimately to serving as a senior individual contributor who influences cross-functional execution, strengthens frameworks and processes, and provides trusted guidance on complex AML/CFT and BaaS oversight matters. Across all levels, roles in this family support responsible growth, regulatory readiness, and sustainable oversight practices that help protect the bank while enabling the business.

AML / BaaS Oversight Lead Analyst

• Serve as a senior individual contributor providing advanced AML/CFT and sanctions expertise over the BaaS portfolio.
• Lead highly complex analyses, reviews, and special projects involving BaaS partner oversight, financial crimes risk, control effectiveness, issue management, or regulatory readiness.
• Drive execution of significant BaaS and AML/CFT oversight routines by coordinating stakeholders, clarifying requirements, resolving complex issues, and helping ensure work products are complete, timely, and decision-useful.
• Provide credible challenge and risk-based recommendations to executive leadership on control design, process effectiveness, remediation plans, partner concerns, and evolving operational or regulatory risks.
• Develop or enhance frameworks, procedures, standards, reporting materials, and analytical approaches that strengthen oversight consistency, governance, and scalability across the function.
• Act as a trusted subject matter resource for leadership and cross-functional partners on AML/CFT and sanctions, specific to BaaS oversight, particularly in complex or ambiguous situations.
• Support audits, examinations, and regulatory responses by helping shape materials, synthesize issues, track commitments, and coordinate across stakeholders to demonstrate sustainable execution.
• Promote strong analytical discipline, risk awareness, and continuous improvement by mentoring peers, influencing cross-functional execution, and reinforcing high standards for documentation and decision support.

AML / BaaS Oversight Lead Analyst

• Minimum of 8 years of relevant experience in AML, BSA, financial crimes compliance, risk, fraud, operations, or a related regulated environment.
• 3 to 5 years of BSA/AML experience working with Fintechs
• Bachelor’s degree or equivalent work experience; relevant certification or advanced degree preferred.
• Advanced knowledge of AML, BSA, KYC, CDD, EDD, transaction monitoring, issue management, and risk-based oversight practices; meaningful BaaS or partner oversight experience strongly preferred.
• Experience leading highly complex analyses, oversight routines, special projects, or remediation efforts with broad cross-functional impact and significant judgment requirements.
• Demonstrated ability to provide credible challenge, risk-based recommendations, and practical solutions related to control effectiveness, partner concerns, regulatory readiness, or process improvements.
• Experience developing or enhancing procedures, frameworks, templates, reporting, or analytical approaches that strengthen oversight quality, governance, and scalability.
• Ability to advise leadership and cross-functional stakeholders on complex AML and BaaS oversight matters, while mentoring peers and reinforcing strong execution standards.
• Exceptional analytical, communication, and influencing skills, with the ability to synthesize complex issues into clear recommendations and decision support.

Travel Requirement

This position requires some travel to support business needs, including team collaboration, internal trainings, and cross-functional initiatives. The frequency and duration of travel will vary based on organizational priorities and team needs.

Choice is #PeopleFirst, banking second.

People don’t need just another bank. People need to be supported by a team of trusted partners who will get to know them and their business, understand their challenges, discover their dreams, and recognize the success in bringing people and banking together in our communities.

In contributing to our culture, Choice team members are guided by our core values.

• Embrace change and encourage innovation.
• Know when to ask for help and know when to offer help.
• Better the places we live.
• Work hard. Do the right thing. Have a little fun.

Our vision of Diversity at Choice is supported by our #PeopleFirst mission and our core values.

Being #PeopleFirst means that Choice is committed to focusing attention and resources towards creating an environment where everyone feels respected and valued and can do their best work. Doing the right thing means encouraging employees to share their experiences and ideas, and to bring their whole authentic selves to work. Together, we can build an inclusive culture that seeks out, supports, and celebrates diverse voices. We can use our diversity to fuel creativity and innovation and bring us closer to our customers and the communities we serve. Be welcome at Choice. We can see you here.

Disclosure

This job description is intended to describe the general content of, and requirements for, the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or requirements. All requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a significant risk to the health and safety of themselves or other employees.

All employment at Choice Financial Group is “at will” employment. This position description does not create an employment contract, implied or otherwise.

The base salary for this role is listed below. This pay range is posted to comply with wage transparency laws. The base salary may vary based on skill, ability, knowledge, experience, and geographic location. Full-time employees are also eligible for a competitive bonus and benefits package.