About this role.
This senior compliance leadership role owns Flex's global financial crime risk-management function and serves as the day-to-day BSA Officer. The position leads AML/BSA, OFAC sanctions, KYC/CIP, CDD/EDD, fraud, transaction monitoring, regulatory reporting, examinations, and remediation. It requires hands-on experience building financial-crime controls for fintech products, including crypto and stablecoin activity. The Head of Financial Crimes will partner closely with legal, product, engineering, operations, risk, and executive leadership in a fast-moving environment.
Role DNA
A quick view of the complexity, pace, ownership and collaboration implied by the job description.
Job Complexity
5/5Pace & Pressure
5/5Autonomy Level
5/5Communication Load
5/5Salary analysis
Estimated compensation compared with the broader US market for similar roles.
Core skills
Skills and capabilities most closely associated with this opportunity.
Sample interview questions
I would begin with a risk-based assessment of products, customers, geographies, transaction flows, bank-partner obligations, governance, and current control performance. I would identify immediate regulatory or operational gaps, establish a prioritized remediation roadmap, and align owners, milestones, and reporting with the CCO and key business stakeholders.
Key risks include sanctions exposure, layering across wallets and exchanges, mule activity, fraud-funded purchases, rapid movement of funds, and exposure to high-risk counterparties or blockchain services. I would combine customer due diligence, blockchain analytics, transaction-monitoring typologies, escalation procedures, and clear restrictions to address these risks.
I use alert data, investigation outcomes, suspicious activity trends, typology coverage, and testing results to evaluate rules and thresholds. Tuning should be documented, risk-assessed, independently reviewed where appropriate, and measured against both false-positive reduction and the program's ability to detect meaningful suspicious activity.
I would establish a centralized evidence plan covering policies, risk assessments, governance records, training, monitoring documentation, investigations, SAR processes, metrics, audits, and prior remediation. I would run readiness reviews with accountable owners, validate evidence quality, track open issues, and provide concise, transparent responses throughout the examination.
I would clearly articulate the specific risk, regulatory obligation, customer impact, and feasible mitigation options rather than simply blocking progress. By engaging product and engineering early, I would seek a proportionate control design, define launch gates where necessary, and escalate residual risk transparently when leadership decisions are required.
Flex is building the AI-native private bank for business owners.
We’re re-architecting the entire financial system for entrepreneurs—from the first dollar a business earns to how that value compounds, moves, and is ultimately spent in real life. Banking, credit, payments, personal finance, and financial operations—rebuilt from the ground up as a single, intelligent system. Flex is the full financial home for ambitious owners.
Since launching publicly in September 2023, Flex has scaled from zero to nine-figure annualized revenue, with a clear path to profitability by late 2026. We move fast, ship relentlessly, and operate with extreme ownership.
Our customers are affluent business owners ($3–$200M in revenue)—the backbone of the economy and one of the most underserved segments in finance. They’re stuck with outdated banks and fragmented tools. We’re replacing all of it. The opportunity is massive: a ~$1T+ revenue market hiding in plain sight. Our ambition is to build a $100B+ company by delivering a product that is fundamentally better—not incrementally improved.
Flex has raised $100M+ in equity and $300M+ in debt.
– Mission-critical problems: We build software that directly controls how money moves at scale.
– High bar, low ego: Small teams, exceptional people, real ownership.
– Speed over comfort: We prioritize execution, quality, clarity, and results.
– Enduring impact: What we’re building will define how a generation of owners runs their businesses.
Team & Locations
We hire exceptional people who want to build hard things and see their work matter immediately. Roles are available in: San Francisco, Miami, New York, and fully remote.
Flex Fuels Ambition.
About the Role
As Flex’s Head of Financial Crimes, you will own and build our financial crime risk management function. The role reports directly to Flex’s General Counsel & Chief Compliance Officer and takes on day-to-day ownership of Flex’s Global BSA/AML program, functioning as the day-to-day BSA Officer responsible for a global suite of products.
We are looking for someone with experience running a program on a global scale and who has familiarity with digital currency and stablecoins. We’re seeking a leader who can partner with the CCO to improve, scale, run, and future-proof Flex’s AML program as Flex continues to expand its global reach. This is a hands on ownership role to help Flex continue to scale its global operations.
$210,000 – $260,000+ a year, depending on experience, plus equity.
What You’ll Do
- Own the Global BSA/AML program end to end, including policy, risk assessment, governance, and regulatory reporting.
- Partner with product, risk, operations, engineering, and business teams to develop, implement, and refine policies, controls, and workflows across AML/BSA, Sanctions/OFAC, CIP/KYC, CDD/EDD, transaction monitoring, and fraud.
- Build and run Flex’s crypto and stablecoin financial crime program, including typologies specific to on/off ramp activity, stablecoin issuance and redemption.
- Build and enhance transaction monitoring and fraud detection capabilities, including rules, thresholds, typology development, alert handling procedures, QA, and documentation to support regulatory expectations and operational efficiency.
- Own regulator and bank partner exam readiness, including managing findings and remediation timelines.
- Analyze trends across AML alerts, suspicious activity, account behavior, fraud attempts, chargebacks, and transactional anomalies to identify emerging threats, recommend remediations, and drive control enhancements.
- Stand up and refine fraud response processes including case handling, escalation protocols, and cross-functional incident response collaboration.
- Manage and prioritize projects across financial crimes scope, establishing operational cadence and driving coordination between technical, legal, data, and operations stakeholders.
- Track regulatory, legal, and industry developments related to BSA/AML, KYC, OFAC, fintech financial crime, and fraud; translate requirements into practical program updates and business guidance.
- Develop and deliver training programs supporting AML, sanctions, fraud awareness, transaction monitoring, and financial crime obligations across the organization.
- Perform periodic assessments and thematic risk reviews to identify gaps, vulnerabilities, and control performance opportunities; propose targeted enhancements.
- Serve as a key advisor to stakeholders across the company on AML, sanctions, KYC, and fraud risk matters; escalate issues appropriately and with clarity.
- Support internal audits, bank partner reviews, and regulatory examinations, and coordinate remediation efforts where findings arise.
- Design and maintain reporting and dashboards communicating program performance, key risk indicators, trends, and outcomes to senior leadership and partners.
What Makes You a Great Fit
- You have hands-on experience with both fiat and crypto/stablecoin financial crime risk, ideally in a fintech environment.
- You bias toward action. Rolling up your sleeves and getting things done is second nature for you.
- You’re part detective, part builder, and part problem-solver, and you like digging until the real story reveals itself.
- You understand that great financial crime programs don’t just check boxes, they enable responsible growth and protect customers and the business.
- You bring clarity, calm judgment, and accountability to complex and high-stakes situations.
- You communicate directly, collaborate well, and know how to balance strong controls with business practicality.
What We’re Looking For
- 7–10+ years of experience in financial crime compliance, AML/BSA, fraud risk management, transaction monitoring, or a related risk function within fintech, financial services, or a regulated payments environment.
- Deep working knowledge of BSA/AML, OFAC/sanctions, KYC/CIP, CDD/EDD requirements, and how they apply to fintechs and bank partnerships.
- Experience designing, implementing, or maturing financial crime controls, including program documentation, monitoring frameworks, workflows, governance, and reporting structures.
- Experience with global or multi-jurisdictional AML/sanctions programs.
- Hands-on work designing transaction monitoring and/or fraud detection programs, including rule strategy, tuning, alert handling, investigations, typologies, and playbook development.
- Demonstrated ability to analyze data and trends, synthesize insights, and translate signals into practical risk mitigation actions.
- A builder mindset, you thrive in environments where programs are evolving, structure needs to be created, and you can balance regulatory expectations with practical execution.
- Exceptional communication and stakeholder partnership skills, with the ability to influence, educate, and collaborate across legal, product, engineering, operations, and leadership teams.
- Strong judgment and risk-based thinking, able to navigate ambiguity, make sound decisions, and escalate when appropriate.
- Attention to detail with the ability to manage multiple priorities and execute in a fast-moving, high-growth environment.
Compensation
Additional Information
Why Join Us
Build something generational — Capture the full lifecycle of money for ambitious business owners.
Work on real money, real risk — Payments, credit, and banking at serious scale.
Solve hard problems — AI, underwriting, compliance, and global finance from first principles.
True ownership — Small teams, high trust, real accountability.
Founder-level exposure — Direct access to leadership, customers, and investors.
High bar, high taste — Move fast without cutting corners.
Elite peers — People here are builders, not tourists.
Real upside — Meaningful equity if you help build something big.
Annual salary information is not provided for this position. Explore salary ranges for similar roles in our Salary Directory ›
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