Senior Compliance Officer – Enterprise FinCEN Programs Governance SME

KeyBank

. Serve as the enterprise subject matter expert and senior second-line compliance authority for FinCEN Programs .

Posted 11/9/2026full-timeUnited StatesSenior💰 $96,000 - $181,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in BSA/AML compliance, regulatory oversight, and risk management within financial institutions, with a strong ability to translate complex regulatory requirements into actionable policies and controls. Proven leadership in cross-functional initiatives and effective communication with senior stakeholders in a highly regulated environment.

Highest-signal resume keywords

BSA/AML ComplianceRegulatory ComplianceRisk ManagementExecutive CommunicationData Governance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial Crimes ComplianceRegulatory Guidance InterpretationControl Environment EvaluationRisk AssessmentPolicy Development

Soft Skills

Negotiation SkillsFacilitation SkillsWritten Documentation SkillsInfluencing Skills

Tools & Technologies

Data Quality ManagementAutomated DecisioningCompliance Monitoring Systems

Certifications & Qualifications

CAMSCFECRCMCFCS

Industry Keywords

SARCTRMILFBARSpecial MeasuresInformation SharingRegulatory ExaminationRisk AppetiteKey Risk IndicatorsEnterprise Transformation

About the role

Key responsibilities & impact

Serve as the enterprise subject matter expert and senior second-line compliance authority for FinCEN Programs
Provide enterprise-wide governance, oversight, credible challenge, and strategic guidance for SARs, CTRs / MIL, FBARs, Special Measures, and Information Sharing
Execute risk oversight activities under the FCRM governance framework
Oversee technology evolution, data governance, data lineage, data quality, data dependencies, data access, platforms, retention, system functionality, automated decisioning, rules, models, and technology changes affecting FinCEN Programs
Identify cradle-to-grave processes, technology inputs, and manual processes affecting FinCEN Program outputs
Provide second-line oversight and credible challenge of enterprise processes, procedures, controls, systems, tools, data, and operational practices
Interpret laws, rules, regulatory guidance, examination expectations, and enforcement themes; translate them into policies, standards, controls, and implementation guidance
Review and approve enterprise policies and standards and oversee supporting first-line procedures and job aids
Evaluate control design, execution effectiveness, consistency, evidence, and sustainability
Identify control weaknesses, emerging risks, inconsistent practices, and regulatory exposure; require corrective action or risk acceptance
Support BSA/AML risk assessments, regulatory compliance risk assessments, RCSAs, customer risk methodologies, and topical assessments
Define and monitor risk appetite, risk tolerance, KRIs, KPIs, control metrics, quality results, exceptions, backlogs, aging, and management information
Review and challenge risks related to products, services, customer journeys, channels, acquisitions, integrations, third parties, and material changes
Provide senior compliance guidance on complex, high-risk, novel, or escalated customer matters
Partner with Legal, BSA/AML leadership, FCRM, business compliance, operations, technology, data, model risk, fraud, privacy, third-party risk, Internal Audit, and independent testing teams
Oversee or challenge quality assurance, compliance monitoring, independent testing, internal audit, and regulatory examination activities
Lead regulatory examinations, audits, inquiries, and information requests, including narratives, evidence, issue responses, and presentations
Oversee issue identification, remediation, severity assessment, root-cause analysis, corrective-action design, validation readiness, risk acceptance, and sustainable closure
Establish training requirements and provide or oversee targeted training, communications, implementation materials, and subject matter support
Prepare and present reporting on risk exposure, program effectiveness, control performance, significant issues, emerging risks, and remediation status to senior management, governance committees, and the Board
Lead cross-functional initiatives and working groups, mentor compliance professionals, and promote consistent application of enterprise requirements
Maintain current knowledge of regulatory developments, enforcement actions, peer practices, and evolving financial crime risks
Act as senior compliance escalation point and escalate material regulatory risk, control breakdowns, overdue remediation, or unresolved disagreements

Requirements

What you’ll need

Bachelor’s degree or equivalent combination of education and relevant experience
Extensive experience in BSA/AML, financial crimes compliance, regulatory compliance, risk management, Legal, Internal Audit, or a related discipline within a financial institution or regulatory environment, specifically involving SAR / CTR / MIL / FBAR / Special Measures / Information Sharing operations
Deep knowledge of SAR, CTR / MIL, FBAR, Special Measures, Information Sharing, and risk-based compliance program regulations and regulatory expectations
Ability to interpret regulatory requirements and translate them into enterprise policies, standards, controls, governance routines, and practical business guidance
Experience evaluating complex processes and control environments, including technology, identifying systemic risk, and influencing sustainable corrective action
Strong executive communication, facilitation, negotiation, and written documentation skills
Ability to explain complex risk matters clearly and concisely
Ability to lead cross-functional initiatives, influence senior stakeholders, and provide credible challenge in a complex, highly regulated environment
Advanced degree in law, business, finance, risk management, criminal justice, or a related field preferred
Professional certification such as CAMS, CFE, CRCM, CFCS, or comparable compliance or financial crimes credential preferred
Experience with large or complex financial institutions, multiple lines of business, enterprise transformation, regulatory remediation, or direct regulatory examination engagement / oversight preferred
Knowledge of data governance, model risk management, technology controls, automation, and systems supporting customer onboarding and lifecycle management preferred
Ability to demonstrate Key’s Values and abide by Key’s Code of Conduct

Benefits

Comp & perks

Base salary range of $96,000.00–$181,000.00 annually
Eligibility for incentive compensation, which may include production, commission, and/or discretionary incentives
Benefits for which the position is eligible
Flexible workspace options where roles can be performed effectively in a mobile environment