Job details

KYC Operations

About Column

For companies building financial technology and transforming the financial services space, the biggest bottleneck to their growth and innovation is often the underlying banks and infrastructure stack they rely on. We have spent our careers founding and scaling companies like Plaid, Square, SoFi, Blend, and Affirm, and have seen this problem firsthand — builders and developers needing to partner with traditional banks, and creating API and abstraction layers over the patchwork that is the bank, its core, and many other vendors. All of this results in a complex (and often expensive) banking supply chain involving a user, fintech, BaaS middleware provider, bank, core and the Federal Reserve.

At Column, we set out to simplify and fix this. We are a bank and a software company built from the ground up, offering builders and developers technology-forward banking solutions that cut out the hundreds of vendors, middleware providers, and abstraction layers. This means a safer, more transparent, and less costly banking supply chain. Come build with us!

The opportunity

The KYC Ops role is instrumental in safeguarding Column from financial crimes and ensuring compliance with AML and Sanctions regulations. The position will have an impact on the Bank’s ability to execute against its growth strategy, as this individual’s execution, oversight, and quality control will ensure the Bank continues to meet regulatory expectations and BSA/AML requirements in the onboarding of new customers. Column’s customer base is global and varied, ensuring that the individual in this role will have ample opportunity to grow, learn, and take on new challenges. We are looking for someone who is organized, extremely detail oriented, passionate about high-quality work product, thrives in a fast-paced environment, and has experience in the execution of a KYC/Onboarding program and/or a BSA/AML Quality Control and Testing program. If you have an in-depth understanding of KYC requirements, experience with customer files, and are someone known for triple-checking your work, this role is for you.

While an in-person presence in the Bank’s Presidio-based office is preferred, this role is open to remote applicants with the expectation of periodic travel.

What you'll do:

CIP/CDD: Execute the collection, review, and reconciliation of CIP and CDD information consistent with the Bank’s standards and customer risk ranking methodology
Quality Control: You will execute quality control oversight of the Bank’s customer onboarding. This includes detailed review of CIP, CDD, and EDD (where relevant) to confirm customer files satisfy all applicable requirements. You will also play an important role in ongoing periodic reviews of high-risk customers, conducting a quality control review to ensure all requirements are met.
Onboarding Management: End-to-end ownership of the customer file, including its compilation, tracking, reporting, and completion
Strategy and Planning: Develop and execute a risk-based Quality Control plan, ensuring that it covers all critical aspects of KYC, including CIP, customer due diligence, and EDD
Collaboration: Work closely with members of the BSA/AML Compliance and Growth teams to ensure all customers have accurate, complete, and up-to-date customer files. This means identifying discrepancies and also being proactive in proposing solutions, collecting documentation, and driving files to completion.
Training and Development: Provide training to team members based on themes that emerge from control reviews
Continuous Improvement: Identify opportunities for process enhancements and efficiency improvements within the Bank’s KYC and onboarding process

What you'll need to be successful:

Bachelor's degree in finance, business, or a related field; professional certification (e.g., CAMS) is preferred
3-5 years of relevant experience in AML compliance, specifically KYC; experience in an execution role required
Quality control/testing within a financial institution’s AML Compliance program preferred
Attention to detail and a commitment to accuracy
Excellent writing skills
In-depth knowledge of AML laws and regulations, including the Bank Secrecy Act (BSA), the USA PATRIOT Act, and OFAC requirements
Strong analytical and problem-solving skills
Excellent communication and interpersonal skills
Proficiency in AML software and data analysis tools

What you’ll get from us:

🏥 Comprehensive health, dental, and vision plans, including options that are 100% covered by Column for you and 50% covered for your dependents
💳 FSA and HSA account options to enable use of pre-tax money for medical and dependent care expenses
📈 401k plan, including self-directed brokerage options
🌴 Flexible time-off policy - take the time off that you want and need to relax and recharge
👶 100% paid parental leave
🍽️ Catered lunches and dinners for SF employees
🚆 Commuter benefits
🎉 Regular team building events, including annual offsite

Pay transparency:

The annual US base salary range for this role is $70,000-$100,000.

This salary range may be inclusive of several career levels at Column, and will be narrowed during the interview process based on a number of factors including, but not limited to, the candidate’s skill sets, experience, licensure and certifications, location, and other business and organizational needs. Posted salary ranges reflect base salary only, exclusive of equity and other compensation and benefits.

We look forward to hearing from you

Column is committed to working with the best and brightest people from the broadest talent pool possible. We value bringing together a team with different perspectives, educational backgrounds, and life experiences, and believe a diversity of ideas is what allows us to develop the best solutions. All qualified individuals are encouraged to apply.

If you need assistance or a reasonable accommodation during the application and recruiting process, please reach out to accommodations@column.com.

We participate in the E-Verify program in certain locations as required by law. Learn more about the E-Verify program here.