Director, Compliance and Risk Financial Crimes

Legal Tempe, Arizona Las Vegas, Nevada Portland, Oregon Salt Lake City, Utah Seattle, Washington Austin, Texas Los Angeles, California San Diego, California Dallas, Texas Tucson, Arizona Waco, Texas


As Director, Compliance & Risk - Financial Crimes, you’ll impact the lives of everyday people and help them go from surviving to thriving with innovative digital personal finance solutions. The Director, Compliance & Risk is responsible for leading a team of compliance and risk professionals in designing, implementing and maintaining a comprehensive enterprise Financial Crimes Risk Management Program in compliance with all applicable state and federal laws and regulations pertaining to the Bank Secrecy Act (BSA), USA Patriot Act, Anti-Money Laundering (AML), Office of Foreign Assets Control (OFAC) and FACTA. This person will collaborate with risk stakeholders and business partners to  ensure processes, systems and controls are in place to effectively identify, detect and respond to patterns, practices or specific activities that indicate or could indicate fraud (internal or external), money laundering or terrorist financing.  


Join Achieve, change the future
At Achieve, we’re changing millions of lives. From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you’ll get to be a part of their journey to a better financial future. We’re proud to have over 2,700 employees in mostly hybrid or remote roles across Arizona, California, and Texas and are strategically growing our teams to better serve our members. A career at Achieve is more than a job—it’s a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, while putting your well-being first.

What you’ll do: 

  • Embrace a strong risk culture that identifies and provides oversight, credible challenge and escalation of existing and emerging risks and issues
  • Provide strategic direction and guidance to line of business senior leaders regarding applicable laws, rules, regulations, enterprise standards and industry best practices
  • Provide subject matter expertise and advice to the team and educates business partners on how to mitigate Financial Crimes risk
  • Lead the team in conducting an annual Financial Crimes Risk assessment, including analyzing data for each area of risk across all products and services, review of metrics, monitoring, testing and audit/exam activities and industry related information to formulate an objective assessment of the residual risk
  • Design monitoring and surveillance strategies to effectively identify unusual activity and establishes the appropriate investigative and case management processes to decision and document the outcomes
  • Develop an internal and external fraud prevention and detection strategy that includes data driven intelligence, analytics and reporting
  • Design, implement and execute effective investigation protocols for fraud and other related activity
  • Complete and file Suspicious Activity Reports, when required
  • Establish oversight protocols of the first line of defense Fraud Investigations Team to ensure unusual activity is identified and escalated appropriately
  • Direct the team in the development of Financial Crimes policies, procedures, and job aids
  • Direct and advise staff in the execution of Compliance and Risk Program requirements such as regulatory change management, risk assessments, issue management, third party risk management, training, metrics and reporting
  • Actively engage with external stakeholders such as partner banks, consultants, regulators, etc.
  • Lead all aspects of the preparation of key reports for delivery to senior leaders, governance committees, regulators, or the Board of Directors on the state of the Financial Crimes Risk Management Program.
  • Lead the development and implementation of a Financial Crimes training curriculum across the company
  • Potentially lead a small team of compliance and risk professionals through recruitment, hiring, training, coaching, performance management and related managerial activities


What you’ll bring:

  • Bachelor’s degree or equivalent experience
  • Experience in hiring, building and leading a high performing team
  • 10+ years financial services compliance, risk management or audit experience with increasing levels of responsibility
  • 7 + years’ experience operating within a Compliance Management System, Operational Risk Management Program, or similar and leading one or more program elements
  • 5 + years Financial Crimes experience leading a Fraud Prevention & Detection, AML, or Financial Crimes department
  • Prior experience interacting with external regulators and third party audit providers
  • Strong interpersonal, communication and influencing skill, including the ability to indirectly influence others outside your department
  • Ability to communicate effectively, collaborate with others, solve problems creatively and demonstrate high integrity
  • Strong analytical and critical thinking skills, with attention to detail and accuracy. Ability to identify root causes, develop tactical and strategic solutions and effectively prioritize work efforts
  • Collaborative, able to influence, negotiate and solve problems with business partners and expert teams across the organizational lines
  • Strong project management skills, with a proven ability to coordinate across departments and functions
  • Self-starter, willing to take ownership and drive initiatives to resolution while reporting appropriately on progress made and escalating when difficulties are encountered
  • 10+ years of experience working with applicable laws, rules, and regulations, how they apply to products and services; ability to identify potential gaps or deficiencies related to the regulatory requirements, assess the level of risk and design solutions to resolve the identified gaps
  • Strict attention to detail; ability to produce quality work products without mistakes and discrepancies; Ability to review work products produced by others to ensure accuracy
  • Ability to thrive in a fast-paced, matrixed work environment
  • Strong computer skills, specifically Microsoft Office products


Achieve well-being with:

  • Hybrid and remote work opportunities
  • 401 (k) with employer match
  • Medical, dental and vision with HSA and FSA
  • Competitive and flexible PTO, including dedicated volunteer days
  • Complete wellness support with access to Virgin Pulse, Ginger Health Coaching, and fitness discounts
  • Up to $5,250 paid back to you on eligible education expenses 
  • Pet insurance for your furry family members
  • Financial support in times of hardship with our Achieve Care Fund 
  • A safe place to connect with other employees through our six employee resource groups 

Meet Achieve 

Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include personal loans, home equity loans, debt consolidation, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and an empathetic touch. We put people first and treat them like humans, not account numbers.

Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve’s Talent Acquisition leader.