Description
Shape a brighter financial future with SoFi. The Director ,Special Investigations (Financial Investigations Unit) will lead the prioritization and execution of proactive, complex, and high-risk AML investigations across the SoFi enterprise.
Responsibilities:
- Lead and execute proactive AML investigations involving complex typologies, high-risk customers, emerging threats, and material exposure to the enterprise.
- Manage the Special Investigations pipeline, including intake, triage, prioritization, assignment, escalation, and timely resolution of matters requiring enhanced investigative expertise.
- Conduct end-to-end investigations using internal and external data sources; document findings, develop clear narratives, and determine appropriate disposition, escalation, and reporting actions.
- Identify suspicious activity, emerging typologies, control gaps, and systemic trends; provide actionable recommendations to strengthen detection, investigation, and risk-mitigation capabilities.
- Partner closely with the Financial Investigations Unit, Customer Intelligence Unit, Sanctions, Cryptocurrency, AML Advisory, Legal, Risk, Product, Data, and Engineering teams to investigate complex issues and drive resolution.
- Serve as a subject-matter expert for complex AML investigations, including cases involving layered transactions, potentially related accounts, adverse media, high-risk geographies, beneficial ownership, and other elevated-risk activity.
- Support the preparation, quality review, and escalation of Suspicious Activity Reports (SARs), regulatory inquiries, law-enforcement requests, and other investigative deliverables, as applicable.
- Develop and maintain investigative procedures, playbooks, and quality standards for proactive and special investigations, ensuring alignment with regulatory requirements, internal policies, and industry best practices.
- Monitor developments in financial-crime typologies, regulatory expectations, and industry practices to ensure the Special Investigations program remains responsive to evolving risks.
- Support regulatory examinations, internal audits, testing activities, and management reporting by providing clear documentation of investigative methodologies, outcomes, trends, and remediation efforts.
Requirements:
- Bachelor’s Degree from a four-year college or university in a related field.
- 10-15+ years of experience in AML with a focus on retail banking and recent experience controls/processes or AML third-party risk management controls.
- Comprehensive understanding of CPS/BaaS products including payments processing, card issuance, credit and lending and other traditional retail banking services.
- Demonstrated ability to communicate effectively with all levels of the organization and across different business lines.
- Demonstrate strong leadership and management skills that build solid working relationships within the organization.
- Excellent working knowledge of BSA/AML laws and regulations within various international jurisdictions.
- Experience in providing anti-money laundering guidance/advice to Compliance, Business and Engineering leaders.
- Excellent organizational, verbal, written and interpersonal skills are required.
- Must be able to multitask, adapt well to changing priorities, and effectively prioritize responsibilities to meet critical deadlines.
- Ability to work in a fast-paced, demanding, and changing environment; must work well under pressure.
- Excellent analytical skills required.
- Ability to work collaboratively and independently while managing projects and assignments.
Nice to have:
- CAMS/CFE certification