Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world's leading financial groups.
The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day. A member of the recruitment team will provide more details.
Overview
As an AML subject matter expert in Digital Assets, s/he is responsible for advising the Global AML Compliance Department and relevant first-line business leaders on strategies to identify and manage AML/CFT risks associated with the development and delivery of Digital Asset products and services. S/he leads the development and implementation of relevant strategies, methodologies, controls and program enhancements, and reports on their effectiveness.
Job Summary
•Leads maintenance, enhancement and implementation of a global framework for Digital Assets financial crimes compliance, with primary responsibility for product control strategy, methodology and implementation.
•Provide AML advisory support for new or modified Digital Asset products and services, including tokenized deposits, stablecoins, tokenized securities, custody, settlement solutions and CBDCs.
•Assess how Digital Asset product structures, transaction flows, and operating models interact with existing banking and securities products, systems, policies and controls.
•Monitor and interpret global regulatory developments and translate expectations into actionable AML standards, methodologies, minimum control requirements and implementation guidance.
•Lead or coordinate product and control applicability assessments, gap analyses, risk assessments, target-state design, implementation planning and governance materials for Digital Asset initiatives.
•Drive integration of Digital Asset requirements into established KYC, customer risk rating, transaction monitoring, sanctions, Travel Rule, recordkeeping, regulatory reporting and management information frameworks, where applicable.
•Lead or support development of methodology for assessing Digital Asset AML controls, including applicability, design and effectiveness.
•Partner with first line strategy, product and business offices, as well as FCC and core compliance, legal, architecture, data and project management stakeholders to ensure sustainable controls aligned with product launch and change-management timelines.
•Advise on AML risks of next-generation payment and settlement capabilities, including real-time payments, tokenized money, distributed ledger-based settlement and interoperability arrangements.
•Provide regular updates to senior management and governance committees on Digital Asset financial crimes compliance strategy, implementation status, dependencies and emerging risks.
•Lead development of a global network of Digital Asset subject matter experts across the Regions to support consistent adoption of global standards and appropriate jurisdictional implementation.
•May liaise with senior regional FCC leadership, support examinations, and/or act as a primary global FCC point of contact for regulators, internal audit and independent testing functions on relevant Digital Asset product matters.
Experience
•Deep subject matter expertise in AML and financial crimes compliance within a large bank, broker-dealer, securities firm, payments organization or similarly regulated global financial institution.
•Demonstrated experience providing AML advice for banking, securities, payments, custody or treasury products, including Digital Asset products such as tokenized deposits, stablecoins and/or tokenized securities.
•Strong understanding of how Digital Asset features may change or extend the financial crimes risks and controls associated with traditional products, systems and transaction flows.
•Demonstrated ability to develop compliance strategies, methodologies, risk assessment approaches, control standards, operating models, roadmaps and implementation plans.
•Demonstrated ability to manage multiple projects simultaneously: a recognized leader with a track record of delivering change in complex, time-sensitive environments.
•Working knowledge of traditional banking and securities systems and control environments, including onboarding, payments, transaction monitoring, sanctions screening, investigations and regulatory reporting platforms.
•Demonstrated knowledge and expertise of banking laws and regulations administered by the US and major international regulatory and standards-setting bodies.
•Proven track-record of providing timely, practical advice to business partners, balancing FCC risk with support for execution of business processes.
•Collaborative mindset with strong interpersonal communication skills and an ability to navigate a complex matrix environment and influence outcomes across organizational boundaries.
•Ability to work autonomously and initiate and prioritize own work; solid judgment and established negotiation skills.
•Typically requires 8-10 years of financial industry and compliance experience, preferably within a global organization, preferably inclusive of 4 or more years of Digital Assets compliance experience.
Education
•BA or BS Degree (equivalent professional experience may be considered in lieu).
•Preferred: MBA or Master's degree in Business, Accounting, Legal, Technology, Engineering or related field.
•Nice to have: CAMS, CFCS, CFE, blockchain analytics certification or similar anti-financial crime certification.
Compensation
The typical base pay range for this role is between $122K - $166K depending on job-related knowledge, skills, experience, and location. This role may also be eligible for certain discretionary performance-based bonus and/or incentive compensation. Additionally, the Total Rewards program provides colleagues with a competitive benefits package that includes comprehensive health and wellness benefits, retirement plans, educational assistance and training programs, income replacement for qualified employees with disabilities, paid maternity and parental bonding leave, and paid vacation, sick days, and holidays.
