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Financial Crimes Manager

Lead Bank (FKA Luna Financial)

Lead Bank (FKA Luna Financial)

Accounting & Finance
Blue Springs, MO, USA
Posted on Tuesday, June 11, 2024
Lead is a fintech building banking infrastructure for embedded financial products and services. We operate an FDIC-insured bank headquartered in Kansas City, Missouri. Additionally, we have offices in San Francisco, Sunnyvale, and New York City, where our technical, product, design, and legal teams operate.
We are built for a constantly evolving financial landscape, where new ventures and technological advancements emerge daily. Guided by a team of entrepreneurs and technologists with decades of experience navigating intricate banking and payments regulations, Lead blends regulatory and technological expertise to help our fintech partners scale their operations with compliance and creativity.
Simply put, Lead offers the essential attributes that every fintech seeks in a partner bank. First, unparalleled technical expertise from a distinguished team of developers with an extensive understanding of the banking and payments systems. Second, oversight expertise, automated compliance systems, and bespoke program management to navigate the ever-shifting regulatory landscape. Finally, a commitment to transparency and operational rigor to ensure everyone’s money does what it’s supposed to do.
Role Description: The Financial Crimes Manager will be responsible for the overall management of a team of analysts performing day-to-day activities of the Financial Crimes program, which may include suspicious activity reporting, high-risk customer review, the build-out of various financial crime programs within the Company, assisting senior Financial Crimes Management with project management duties, ensuring compliance with all applicable regulations, and all other facets of a successful Financial Crimes program.

In this role you will:

  • Oversee the investigation of generated alerts on applicable customers within Lead Bank’s AML transaction monitoring software
  • Manage the filing of Currency Transaction Reports (CTRs) within designated time frames to ensure compliance
  • Research and review of possible suspicious activity involving clients and Banking-as-a-Service partners (“BaaS”)
  • Manage various department level projects driving the growth of the Financial Crimes department and associated processes
  • Review and file Suspicious Activity Reports (SARs) within regulatory guidelines
  • Process, solve and answer complex client transactions, problems and inquiries
  • Manage the day-to-day activities of a group of Financial Crime Analysts and Financial Crime Specialists
  • Conduct ongoing training and process improvements with team to ensure investigations into suspicious activity are thorough and completed properly and timely
  • Manage 314(b) requests as it pertains to clients
  • Oversee investigations of any OFAC or 314a list positive matches
  • Perform daily review, monitoring, and analysis of various reports. Identify reporting trends, unusual activity, and large currency activity to determine if transactions are suspicious in nature
  • Manage BaaS relationships with our partners. These duties include being a primary point of contact, ensuring the BaaS partner’s Financial Crimes programs align with Lead Bank policy and expectations.
  • Assist the Director of Financial Crimes with preparation for independent third party audits, regulatory exams, and Board reporting as needed
  • Provide support and be a subject matter expert for team members
  • Assist the Director of Financial Crimes with an annual assessment of BSA, AML and OFAC risks
  • Maintain proficient knowledge of applicable compliance statutes, regulations, and interpretations, including but not limited to, the Bank Secrecy Act, USA PATRIOT Act and OFAC
  • Perform all other duties as assigned


  • A minimum 3-5 years of BSA specific experience
  • CAMS certification or other relevant AML/BSA certification preferred, or able to obtain
  • Knowledge of AML and Sanctions screening software
  • Knowledge of digital assets and financial technology companies is a plus.
  • Strong project management skills and management of development, maintenance and support teams
  • Strong judgment, instincts and analytical skills
  • Willingness to take on new challenges in a fast-paced startup environment
  • Strong organizational skills with experience in managing multiple time-sensitive projects simultaneously
  • The ability to work independently with minimal oversight.
  • Humility, low ego and a desire to give and receive feedback
  • Self starter, engaged, proactive and ready to roll up your sleeves

What we offer:

  • At Lead, we design our benefits to support company culture and principles, to foster an efficient and inspiring work environment, and to create the conditions for our team to give their best in both work and life
  • Competitive compensation, including opportunities for equity grants and cash bonus, based on experience, geographic location, and role
  • Medical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRA
  • Paid parental leave
  • Flexible vacation policy, including PTO and paid holidays
  • A fun and challenging team environment in a dynamic industry with ample opportunities for career growth
*Lead Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
*Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.