Compliance Manager, BSA Officer

Join Us in Making an Impact ✨ 
 
At OneAZ Credit Union, our success is measured only by yours. We’re here to create lasting change in the lives of our members, our communities, and our team. If you're looking for a career with purpose, where your work truly matters—you've found it! 

Who You Are  

You’re impactful, compassionate, and fearless, ready to embrace new challenges and shape the future of financial well-being. You take accountability for our success and thrive in an environment where curiosity is celebrated. If this sounds like you, let’s build something great together. 

What You’ll Do

This position will be located at our Corporate Office: 2355 W Pinnacle Peak Rd, Phoenix, AZ 85027    

The Compliance Manager / BSA Officer oversees the BSA Team and is responsible for managing the credit union’s enterprise compliance program and serving as the designated Bank Secrecy Act Officer. This role provides leadership, oversight, and day-to-day coordination of regulatory compliance activities, including the Bank Secrecy Act, anti-money laundering, countering the financing of terrorism, OFAC, Customer Identification Program, Customer Due Diligence, beneficial ownership, suspicious activity monitoring, currency transaction reporting, and related financial crimes compliance obligations.

Essential Functions

• Manage and maintain the credit union’s enterprise compliance management program, including policies, procedures, monitoring, testing, training, issue management, and reporting.
• Monitor federal and state regulatory developments applicable to credit unions and coordinate timely implementation of required changes.
• Provide compliance guidance to business units on deposit, lending, digital banking, member service, marketing, operations, privacy, and other regulatory matters.
• Partner with business leaders to identify compliance risks, design effective controls, and support sustainable remediation of issues, audit findings, and examination matters.
• Carries out leadership responsibilities in accordance with organizational policies, values, and applicable laws; ensures effective hiring, development, performance management, and employee relations practices, either directly or through others, as appropriate to the role.
• Provides management and professional leadership to compliance staff and leads various risk-related projects as determined by the Chief Risk Officer.
• Serve as the credit union’s designated BSA Officer, responsible for coordinating and monitoring day-to-day compliance with BSA, AML, CFT, OFAC, and related regulatory requirements.
• Ensure appropriate governance, documentation, escalation, and reporting for Suspicious Activity Reports, Currency Transaction Reports, high-risk members, money services businesses, cash-intensive businesses, politically exposed persons, negative news, and other elevated-risk relationships.
• Provide periodic BSA/AML program updates to senior management, the Supervisory Committee, including key risks, trends, program performance, regulatory changes, audit results, examination matters, and remediation status.
• Ensure BSA/AML staff and appropriate credit union personnel receive role-based training that is current, relevant, and aligned with OneAZ’s risk profile.
• Lead, coach, and develop compliance and BSA team members, as assigned, including workload management, performance feedback, and professional development.
• Promote a culture of compliance, ethical conduct, member protection, and proactive risk management across the credit union.
• Build strong working relationships with Internal Audit, Risk Management, Fraud, Information Security, Operations, Marketing. Lending, Retail, Digital Banking, Legal, and other key stakeholders.
• Coordinate BSA/AML examinations, independent testing, audits, regulatory inquiries, law enforcement requests, and related corrective action plans.
• Maintain oversight of BSA/AML and OFAC systems, alert workflows, case management, model or rule tuning coordination, quality assurance, and management reporting.
• Prepare clear, concise, and executive-ready reports, presentations, procedures, and communications for management and governance committees.
• Oversee the written BSA/AML compliance program, including internal controls, independent testing coordination, member due diligence, suspicious activity monitoring, currency transaction reporting, recordkeeping, and training.
• Develop and maintain compliance risk assessments, monitoring plans, management reporting, and escalation protocols
• Represent the Risk Management Team on all projects and initiatives providing regulatory compliance guidance.

What You Bring

• High School Diploma or GED required
• Bachelor's Degree in in business, finance, accounting, criminal justice, risk management, or a related field, or equivalent combination of education and relevant experience. Required.
• 5-8 similar or related experience in Progressively responsible compliance, BSA/AML, audit, risk management, or financial services experience, preferably in a credit union or community financial institution Required
• Strong working knowledge of BSA/AML, OFAC, Customer Identification Program, Customer Due Diligence, suspicious activity reporting, currency transaction reporting, and credit union regulatory compliance requirements. Required
• Experience supporting regulatory examinations, audits, compliance testing, issue management, and board or executive reporting Required
• Knowledge of credit union operations, member service delivery channels, digital account opening, payments, lending, deposits, and emerging financial crime typologies.
• Demonstrated ability to interpret regulations, assess risk, communicate requirements, and partner with business units to implement practical compliance solutions.
• Regulatory judgment and risk-based decision-making
• Strong written and verbal communication skills, including executive and board-level reporting.
• Analytical thinking, investigation skills, and attention to detail.
• Ability to manage competing priorities, deadlines, and confidential information.
• Leadership presence, collaboration, diplomacy, and sound escalation judgment.
• Commitment to ethical conduct, member trust, and regulatory compliance.

Compensation & Benefits

• Generous paid time off: paid holidays, floating holidays, personal days, vacation days, plus sick time
• Low-cost Medical, Dental & Vision plans 
• Paid childcare assistance
• Award-winning 401K
• Gym fee reimbursement 
• Tuition Reimbursement 
• Student loan repayment
• ...and much more. Explore all the details in our comprehensive Benefits Booklet
• Target hiring range $111,801.86 - $139,752.33 (Depending on experience and prior to any incentives this position is eligible for)

Why Join OneAZ?

At OneAZ, we’re not just a credit union; we’re a financial trailblazer that passionately cares about inspiring dreams and driving prosperity in the communities we serve. We exist to clear the way for dreamers and doers, aspiring to be the bank for new pioneers. 

We are driving change in our communities, constantly improving our products and services so our members and their families can relentlessly pursue their dreams. By embodying our values and living our promise, you’ll be part of a team committed to exceeding expectations and redefining what’s possible. 

Additional Notes: 

Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights. Candidates for this position will be required to sign an authorization for OneAZ to conduct a credit and criminal background check, pursuant to procedures in the Fair Credit Reporting Act and any other applicable laws. All candidates will be considered for this position on an individualized basis, in compliance with all applicable equal employment opportunity laws. Ensures compliance with applicable policies, laws, and regulations, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) compliance, USA Patriot Act, and Office of Foreign Assets Control (OFAC). As applicable, any individual who meets the definition of a mortgage loan originator (MLO) and is employed by a federal agency-regulated institution will need to be registered on the Nationwide Mortgage Licensing System (NMLS). This job description should not be considered all-inclusive. It is merely a guide of expected duties. The associate understands that the job description is neither complete, nor permanent and may be modified at any time. At the request of their supervisor, an associate may be asked to perform additional duties or take on additional responsibilities without notice. Complies with all policies and standards. Position grades could fluctuate based on market value.