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The role:
The Crypto AML & Sanctions Advisor will provide specialized financial crime compliance advisory support for SoFi’s digital asset and cryptocurrency products and services, reporting to the Crypto Compliance Officer. Your role will be to support the business in identifying and mitigating risks related to money laundering, terrorist financing, sanctions, and other illicit finance activity associated with digital assets, while helping ensure SoFi meets applicable regulatory requirements, expectations, and guidance. The role will support the development and maintenance of sound, risk-based AML and sanctions programs and controls across SoFi’s crypto ecosystem.
What you’ll do:
Act as a key Crypto AML & Sanctions advisor, providing subject matter expertise to the Crypto Compliance Officer, Compliance, Product, Engineering, Investigations, and business leaders on financial crime risks and controls.
Provide AML and sanctions advisory across the crypto product lifecycle, including trading, custody, deposits and withdrawals, wallets, stablecoins, staking, and emerging digital asset products.
Identify and assess blockchain-specific financial crime risks and advise on appropriate controls, including KYT, transaction and wallet screening, sanctions exposure, Travel Rule requirements, and escalation frameworks.
Partner with Compliance, Product, Engineering, and Operations to assess new products, digital assets, blockchain networks, vendors, and material changes and ensure appropriate AML and sanctions controls are implemented.
Support the development and enhancement of crypto AML and sanctions policies, procedures, risk assessments, monitoring controls, and governance frameworks.
Stay informed of regulatory developments, enforcement actions, emerging crypto typologies, and industry best practices and recommend enhancements to mitigate financial crime risk.
Support the Crypto Compliance Officer with regulatory examinations, internal audits, compliance testing, issue management, and third-party risk management activities related to digital assets.
What you’ll need:
Bachelor’s Degree from a four-year college or university in a related field.
8+ years of experience in AML, sanctions, financial crime compliance, or related risk management, with meaningful experience supporting cryptocurrency, digital assets, fintech, or other technology-enabled financial services.
Comprehensive understanding of cryptocurrency and blockchain products, including crypto trading, custody, deposits and withdrawals, wallets, stablecoins, staking, and other digital asset services.
Strong knowledge of digital asset financial crime risks, including money laundering, terrorist financing, sanctions evasion, fraud, mixers, self-hosted wallets, decentralized finance, and other blockchain-based illicit finance typologies.
Experience developing, implementing, or advising on crypto AML, sanctions, transaction monitoring, wallet screening, or KYT controls.
Experience with blockchain analytics and transaction monitoring platforms such as Chainalysis, TRM Labs, Elliptic, or comparable technologies.
Excellent working knowledge of BSA/AML and OFAC requirements and regulatory expectations applicable to cryptocurrency and digital asset activities, including applicable Travel Rule requirements.
Experience conducting financial crime risk assessments for new crypto products, digital assets, blockchain networks, vendors, or material product changes.
Experience providing AML and sanctions guidance and advice to Compliance, Business, Product, Engineering, and Investigations teams.
Demonstrated ability to communicate effectively with all levels of the organization and across different business lines.
Strong leadership and stakeholder management skills that build effective cross-functional working relationships.
Ability to work collaboratively and independently in a fast-paced, demanding, and rapidly evolving regulatory and technology environment.
Nice to have:
CAMS/CFE certification