Senior Manager, Fraud and AML

This is a fully remote position, open to applicants in Arizona, +6 more states.

📋 Description

• Take ownership of Fraud Prevention & Detection

• Direct the fraud and AML strategy while establishing the long-term vision across Financial Products, influencing our approach to risk detection, prevention, and response as the business evolves

• Monitor emerging fraud and money laundering threats, attack patterns, and industry best practices, integrating these insights into our strategy and roadmap

• Quantify and Defend the Guardrails

• Continuously assess fraud loss, AML risk exposure, and program health, converting data into clear loss targets, thresholds, and actionable recommendations

• Investigate anomalies and identify emerging fraud and AML risks before they escalate into losses or compliance issues

• Build the Fraud & AML Foundation

• Develop and perpetually refine fraud and AML policies and mitigation strategies

• Oversee and expand fraud and AML operations across savings products, establishing a foundation for future investment products

• Lead the response to fraud and AML incidents — identifying root causes, implementing changes, and preventing future occurrences

• Create clear and concise documentation, including policies, procedures, decision proposals, and incident reports

• Serve as the AML Compliance Officer

• Act as Rocket Money's AML Compliance Officer for bank partnership products, with support from our legal team and the legal, AML, and compliance teams of our parent company

• Manage and enhance our BSA and AML program — overseeing day-to-day BSA/AML compliance, conducting risk assessments, facilitating training, and handling SAR referrals — leveraging expertise from the parent company and cross-functional teams

• Ensure continuous compliance with the Bank Secrecy Act (BSA) and associated regulations

• Lead annual independent testing and audits for bank partners

• Partner & Cross-Functional Management

• Act as the main point of contact for fraud and AML with our bank and brokerage partners

• Collaborate with product, engineering, operations, data, finance, and legal teams to create and refine risk controls while aligning on shared metrics, definitions, and trade-offs

• Present the fraud and AML status, decisions, and trade-offs to senior leadership

⛳️ Requirements

• Over 6 years of experience in fraud prevention with BSA and AML compliance for deposit and/or brokerage products (preferably both) within a fintech environment — with some experience in a first line of defense role

• Direct experience serving as, or closely partnering with, an AML Compliance Officer

• Strong analytical and quantitative abilities — proficient in justifying a guardrail or threshold using data rather than intuition

• Excellent communication skills — capable of simplifying complex fraud and AML systems

• Comfortable in ambiguous situations and motivated by the responsibility of managing a high-stakes function from the ground up.

🏝️ Benefits

• Health, Dental & Vision Plans

• Life Insurance

• Long/Short Term Disability

• Competitive Pay

• 401k Matching

• Team Member Stock Purchasing Program (TMSPP)

• Learning & Development Opportunities

• Tuition Reimbursement

• Unlimited PTO

• Daily Lunch, Snacks & Coffee (in-office only)

• Commuter benefits (in-office only)