Chief Compliance Officer & BSA Officer (TDAB)

Chief Compliance Officer & BSA Officer Location: Norfolk, Nebraska - Flexible (remote, hybrid or on-site) Company: Telcoin Digital Asset Bank (TDAB) About Telcoin Digital Asset Bank Telcoin Digital Asset Bank (TDAB) is a Nebraska-chartered digital asset depository institution that brings regulated banking and blockchain-based financial services together, including digital asset custody, stablecoin issuance and redemption, and on-chain payments. As we build out the Bank's operations, we are looking for an experienced compliance leader to establish and scale a strong, risk-based financial crimes compliance program. The Role We are looking for a Chief Compliance Officer who will also serve as the Board-designated BSA Officer. The successful candidate will own the Bank's BSA/AML, counter-terrorist financing and OFAC sanctions compliance program across both fiat and digital asset activity. This senior leadership role reports to the Board Risk/Audit Committee. It is the Bank's primary BSA/AML contact for the state banking regulator, FinCEN, OFAC and federal partners. Key Responsibilities Program ownership and governance - Update, implement, and maintain a risk-based BSA/AML/CFT and OFAC program covering the five pillars: internal controls, independent testing, a designated BSA Officer, training, and customer due diligence including beneficial ownership. - Draft and annually refresh BSA/AML and sanctions policies, procedures, and the Board-approved risk appetite. - Report program status, metrics, and material issues to the Board and senior management at least quarterly. - Own the enterprise BSA/AML and sanctions risk assessment, including products, customers, geographies, delivery channels, and digital asset types. Customer due diligence - Oversee CIP, KYC, KYB, and enhanced due diligence for retail, institutional, and VASP/counterparty customers. - Set customer risk-rating methodology and periodic review cycles. - Approve onboarding of high-risk customers, including other virtual asset service providers, money services businesses, and foreign correspondents. Transaction monitoring and blockchain analytics - Oversee fiat and on-chain transaction monitoring, including blockchain analytics tools (e.g., Chainalysis, Sumsub) for wallet screening, exposure analysis, and tracing. - Tune scenarios and thresholds; document model validation and above/below-the-line testing. - Address digital-asset typologies: mixers and privacy tools, darknet markets, ransomware, chain-hopping, bridge exploits, and sanctioned addresses. Travel Rule and sanctions - Implement FinCEN Recordkeeping and Travel Rule compliance and FATF Recommendation 16 for virtual asset transfers, including counterparty VASP due diligence. - Run OFAC and global sanctions screening of customers, transactions, and wallet addresses (including SDN-listed addresses); manage blocking, rejection, and reporting obligations. Investigations and regulatory reporting - Manage alert and case investigations; make final SAR filing decisions and ensure timely filing and continuing-activity reviews. - Ensure accurate and timely CTRs, 314(a) responses, 314(b) information sharing, and responses to subpoenas and law enforcement requests. Stablecoin and custody controls - Establish AML controls for stablecoin issuance, redemption, reserves-related flows, and freeze/blacklist capabilities in coordination with Legal and Engineering. - Ensure custody and wallet-management processes meet recordkeeping and monitoring requirements. Exams, audits, and training - Serve as primary contact for BSA/AML portions of regulatory examinations and independent audits; own remediation of findings. - Deliver role-based BSA/AML training for the Board, employees, and contractors, with tailored digital asset content. - Evaluate and oversee third-party compliance vendors and partner-bank or program-manager arrangements. Team leadership and scaling - Build, staff, and lead the financial crimes compliance team; set QA standards and KPIs. - Design a compliance operating model that grows with the business, and plan staffing, tooling, and process needs ahead of growth in customers, transaction volumes, products, and jurisdictions. - Develop talent through clear career paths, succession planning and ongoing professional development. - Partner with Product and Engineering to embed compliance controls into new products before launch. Budget and financial management - Own the compliance function's P&L and annual budget, covering headcount, technology, blockchain analytics and screening vendors, independent testing, and training. - Build business cases for compliance investment, with cost, benefit, and risk-reduction analysis, and present them to senior management and the Board. - Track compliance unit costs, such as cost per onboarded customer and per investigated alert, and find efficiencies as volumes grow. - Work with Finance and business leaders to reflect compliance costs and risks in product pricing, new-market entry, and partnership decisions. - Negotiate and manage vendor contracts to get value while meeting regulatory standards. Requirements - Bachelor's degree in finance, criminal justice, law, business or a related field. - 8+ years of BSA/AML compliance experience at a bank, trust company or regulated money transmitter, including 3+ years as a BSA Officer, deputy or program lead. - 2+ years of direct experience with digital assets, virtual currency or a VASP/crypto exchange. - Hands-on experience leading regulatory examinations and remediating findings. - Proven SAR decisioning and investigation management experience. - Working knowledge of the BSA, USA PATRIOT Act, AML Act of 2020, FinCEN CDD Rule, OFAC regulations and FATF virtual asset guidance. - A proven track record of building or scaling a compliance function through significant growth, including owning a departmental budget. - One or more certifications: CAMS, CAMS-FCI, CRCM or CFE. - Authorized to work in the United States. Preferred Qualifications - Advanced digital asset AML certification (e.g., CCAS, CCI, or Chainalysis/TRM investigator certification). - Experience at a de novo bank, with a charter application, or with state trust or digital asset charters. - Experience with stablecoin programs, including issuer-side controls. - JD, MBA or other advanced degree. - Familiarity with smart contracts, wallet architecture and on-chain data analysis (e.g., SQL against blockchain data). What We Offer - An executive leadership role at a pioneering digital asset bank. - The opportunity to build the Bank's compliance function from the ground up and shape its risk culture. - Direct access to the Board and senior leadership. - Exposure to innovative blockchain and payment technologies. Apply If you are an experienced BSA/AML leader who wants to build a compliance program for the next generation of banking, we would be pleased to hear from you. Please submit your CV and a brief cover letter outlining your experience in BSA/AML compliance, digital assets and compliance leadership. When applying, mention the word CANDYSHOP to show you read the job post completely.