AML Program Lead for Digital Assets

Jiko - a nationally-chartered bank and registered broker/dealer - is a revolutionary new financial network, enabling companies – from multinational corporations to startups – to both store and move money, starting with the power of T-bills, made spendable. Securely stored at the biggest custody bank in the country, cash is put directly into T-bills with on-demand liquidity. Jiko combines the stability of an established national bank with the modernity of an integrated technology stack. Jiko is in growth mode and looking for persevering individuals to bring quality and simplicity to all areas of the organization.

Position Summary:

As the AML Program Lead for Digital Assets, you will be designing, building and leading a BSA risk management program related to Jiko’s digital asset portfolio. Jiko has a collaborative culture with plenty of opportunities for ownership. As an early member of the team, your decisions today will have a large impact on the company now and into the future. We rely on innovation, simplicity, perseverance and expect all new teammates to use these attributes to directly drive the direction of the company.  This position will work closely with teams across the company, including the engineering, product management, compliance, operations, and infrastructure teams to create an efficient and effective risk management system.  

Key Duties:

• Support the BSA Officer on developing and implementing key AML policies, procedures, and operational activities for Jiko’s digital assets portfolio 


• In line with blockchain analytics tools, develop AML blockchain monitoring and wallet verification strategies tailored to Jiko’s digital asset-related product offerings 


• Perform KYC reviews for both onboarding and ongoing reviews of Digital Asset portfolio clients.  


• Ensure transaction monitoring alerts for suspicious activity & sanctions are reviewed on the digital asset portfolio according to internal procedures.


• Execute regulatory reporting requirements such as SAR filings.


• Assist with regulatory audits and examinations.


• Have the ability to thrive in a fast-paced, evolving, and innovative technology-driven environment.

Qualifications:

• 5+ years BSA/AML or financial crime compliance experience in a bank, fintech, MSB, or broker-dealer


• 3+ years supporting crypto or blockchain-enabled products (payments, custody, exchange, stablecoins)


• Working knowledge of crypto typologies (scams, mixers, chain hopping, ransomware, sanctions exposure) and how they show up on-chain and in customer behavior


• Familiarity with a blockchain analytics tool (TRM, Chainalysis, Elliptic) or equivalent on-chain investigative methods


• Investigations and escalation experience: complex cases, clear narratives, SAR drafting input, preparing audit-ready documentation


• Transaction monitoring ops: developing monitoring criteria, triage standards, disposition quality, QA, basic tuning support, KPIs


• Ability to partner with Product and Engineering to embed controls (wallet allowlisting/verification, limits, holds, case tooling)


• Ability to understand complex financial products


• Comfortable with audits, exams, and explaining decisions


• Ability to read, comprehend, analyze, and interpret legal documents, governmental regulations, and professional publications, especially guidance issued by regulatory authorities on the issues of Bank Compliance and Bank Secrecy Act. 


• Ability to effectively present information to and respond to inquiries from senior management, attorneys, vendors, government agents, and various teams. 


• Ability to write reports and business correspondence


• Strong project management skills


• Creative thinking and affinity to innovation


• Excellent analytical skills and with the ability to deliver results under pressure

Additional Information

Jiko is working to build a more inclusive economy where our customers have equal access to opportunity, and we strive to live by these same values in building our workplace. Jiko is a proud equal opportunity employer. We work hard to evaluate all employees and job applicants consistently and fairly. We provide an environment of mutual respect where equal employment opportunities are available to all applicants and teammates without regard to race, color, religion, sex, pregnancy (including childbirth, lactation, and related medical conditions), national origin, age, physical and mental disability, marital status, sexual orientation, gender identity, gender expression, genetic information (including characteristics and testing), military and veteran status, and any other characteristic protected by applicable law.