People Matter

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 Bank is a chartered banking-as-a-service platform for builders and innovators. Despite broader economic headwinds, the continued proliferation of fintech companies and a 20x increase in fintech investment ($20.5 billion in 2020) signals that the market’s interest in embedding financial services products into their offerings is resilient and sustainable. Whether it’s a travel company that wants to offer credit for an expensive trip, a social network that wants to enable in-feed shopping solutions, or an ecommerce platform that wants to provide client rewards cards, the broader tech ecosystem has enjoyed a step-change in the sophistication, variety and complexity of client-facing products they can offer. This means that the underlying infrastructure powering those fintechs needs to evolve to meet these modern demands.
While fintech companies continue pushing boundaries, they have largely accepted that directly integrating with banks is costly, time-consuming and operationally burdensome. This frustration comes in many forms: gaps in technical acumen, product scalability, client risk appetite, and company culture. These gaps clearly illustrate the need for a new paradigm in banking technology.
Lead Bank is bridging those gaps. We see a massive opportunity for a tech-savvy developer-focused bank to augment a sophisticated financial services platform with the compliance, regulatory, capital markets, and legal expertise required to help our clients succeed. Come join us on our journey.
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.