Lead Financial Crimes Officer – Payments Advisory, Oversight

Wells Fargo

. Participate in and advise on gap assessments and control testing related to Travel Rule, message completeness, and beneficiary/debtor data requirements .

Posted 10/27/2026full-timeUnited StatesSenior💰 $119,000 - $206,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in Financial Crimes, Operational Risk, and payment systems, with a strong focus on compliance with regulations such as FATF and Wolfsberg. Proficient in data lineage mapping, control design, and the implementation of payment transparency controls.

Highest-signal resume keywords

Financial Crimes ExperiencePayment Systems KnowledgeData Lineage MappingControl DesignISO 20022 Understanding

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Payment SystemsData Lineage MappingControl DesignSanctions MonitoringRegulatory ComplianceAnalytical SkillsDocumentation SkillsPresentation SkillsControl TestingRisk Management

Soft Skills

Technical CommunicationOrganizational SkillsSelf-DrivenCoordination SkillsAbility to Work in Complex Environments

Tools & Technologies

SWIFTFedwireCHIPsRTPACHFedNow

Certifications & Qualifications

FINRA Background Screening

Industry Keywords

Travel RuleWolfsberg Payment TransparencyAMLSanctionsFATF 16FinCENOCCPayment Transparency ControlsKey Risk IndicatorsKey Performance Indicators

Tech Stack

Tools & technologies

Ruby on RailsSwift

About the role

Key responsibilities & impact

Participate in and advise on gap assessments and control testing related to Travel Rule, message completeness, and beneficiary/debtor data requirements
Support development of the Payment Control Architecture, including inputs to RFPs, control libraries, and data validation routines
Contribute to the design of end-to-end payment transparency controls aligned with enterprise policy
Document control points, dependencies, and validation steps across payment processing, data lineage, and sanctions and monitoring systems
Partner with the Chief Data Office and Technology teams to trace payment data lineage for key financial crime use cases
Provide subject matter expert input into policy and procedure updates covering Travel Rule, Wolfsberg Payment Transparency, ISO 20022 adoption, and data validation
Review global payment messaging changes, including SWIFT, CBPR+, Fedwire, and ISO migration, and assess implications for AML and Sanctions controls
Represent FCRM in cross-functional working groups on payment standards and industry initiatives
Track and report progress against enterprise payment transparency and control enhancement goals
Support development of KEIs, KRIs, and KPIs for control activities, payment data quality, transparency, and compliance adherence
Contribute to QA sampling or control testing to validate improvements and readiness for regulatory reviews
Document Payment Transparency Control Framework components
Conduct Travel Rule gap assessments and remediation tracking
Deliver data mapping with financial crime attributes and lineage documentation
Provide advisory memos for payment product changes, such as instant payments, CIB products, and cross-border services
Provide management reporting on payment transparency, initiatives, and controls

Requirements

What you’ll need

5+ years of Financial Crimes, Operational Risk, Fraud, Sanctions, Anti-Bribery, Corruption experience, or equivalent demonstrated through work experience, training, military experience, or education
In-depth knowledge of payment systems (SWIFT, Fedwire, CHIPs, RTP, ACH) and financial crime regulations relating to FATF 16, Wolfsberg, FinCEN, and OCC
Experience with data lineage mapping, control design, or system testing related to sanctions/transaction monitoring environments
Strong understanding of ISO 20022 message elements and their impact on sanctions screening and Travel Rule compliance
Deep understanding of payment rails (SWIFT, Fedwire, CHIPs, RTP, ACH, FedNow) and their respective risk profiles
Knowledge of key risk management practices by payment type, including sanctions, AML, and data governance considerations
Analytical ability to interpret payment data structures and control gaps
Strong technical communication and ability to translate regulatory requirements into actionable control designs
Excellent documentation, presentation, and coordination skills
Ability to operate in a complex matrix and cross-functional environment
Highly organized and self-driven individual contributor who delivers under minimal supervision
Must meet required location requirements
This position is not eligible for VISA sponsorship
Must successfully complete FINRA background screening and ongoing regulatory requirements

Benefits

Comp & perks

Health benefits
401(k) Plan
Paid time off
Disability benefits
Life insurance, critical illness insurance, and accident insurance
Parental leave
Critical caregiving leave
Discounts and savings
Commuter benefits
Tuition reimbursement
Scholarships for dependent children
Adoption reimbursement
Incentive opportunities may be available