Enforcement and Compliance Specialist

Visa

  • Denver, CO
  • $109,800-151,200 per year
  • Permanent
  • Full-time
  • 17 hours ago
  • Apply easily
Company DescriptionVisa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid.Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.Job DescriptionWe are seeking a proactive, detail-oriented Enforcement and Compliance Specialist to join our team. This pivotal role is responsible for managing the end-to-end process of Suspicious Activity Report (SAR) investigations and filings in accordance with the Bank Secrecy Act (BSA), FinCEN guidance, and internal compliance protocols. The role also supports broader enforcement efforts, including litigation-related matters and responses to law enforcement inquiries.Essential Functions:- SAR Management: Lead the SAR lifecycle from alert generation through investigation, decision-making, and timely filing.- Investigative Review: Conduct and review complex investigations, ensuring accuracy in transaction analysis, account details, and supporting documentation. Draft clear, factual, and error-free SAR narratives.Law Enforcement Response:
  • Serve as the primary point of contact for law enforcement inquiries, including subpoenas, summonses, national security letters, and other formal requests.
  • Review and validate the legal sufficiency, scope, and jurisdiction of each request before releasing any information.
  • Coordinate with internal legal and compliance teams to ensure responses are timely, accurate, and compliant with applicable laws and privacy standards.
  • Maintain detailed records of all law enforcement interactions and disclosures, ensuring audit readiness and regulatory transparency.
  • Proactively identify patterns or trends in law enforcement requests that may indicate emerging risks or typologies
-Subject Matter Expertise: Serve as an internal expert on BSA/AML regulations, FinCEN advisories, and SAR best practices.- Cross-Functional Collaboration: Partner with transaction monitoring, fraud, sanctions, and other compliance functions to identify and escalate suspicious activity.
- Quality Assurance: Oversee SAR quality control reviews and drive continuous process improvements.
- Reporting & Metrics: Prepare and present SAR-related metrics, trends, and risk insights to senior leadership and the BSA Officer.
- Audit & Examination Support: Assist with internal audits, regulatory examinations, and law enforcement engagements.
- Regulatory Awareness: Stay informed on emerging financial crime typologies and evolving regulatory expectations.
- Operational Efficiency: Identify and implement opportunities for innovation and process optimization.
- Strategic Alignment: Collaborate with global stakeholders to ensure cohesive compliance practices and support broader business objectives.This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.QualificationsBasic Qualifications:
-5 or more years of relevant work experience with a Bachelors Degree or at least 2 years of work experience with an Advanced degree (e.g. Masters, MBA, JD, MD) or 0 years of work experience with a PhDPreferred Qualifications:
- 6 or more years of work experience with a Bachelors Degree or 4 or more years of relevant experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or up to 3 years of relevant experience with a PhD
- Professional certifications such as CAMS, CFE, or equivalent strongly preferred.
- Minimum of 5 years in a compliance or risk management role within financial services or cross-border payments.
- In-depth knowledge of OFAC regulations and global financial crime compliance frameworks.
- Minimum of 5 years of experience in AML/BSA compliance, including SAR investigation and filing.
- Bachelor’s degree required.
Technical Proficiency: Advanced Excel skills (pivot tables, data analysis, reporting) and strong data visualization capabilities.
Communication: Excellent written and verbal communication skills, with the ability to engage senior leadership and draft high-quality investigative narratives.
Analytical Expertise: Strong decision-making, organizational, and investigative skills.
Regulatory Knowledge: Deep understanding of BSA/AML regulations, SAR filing requirements, and investigative methodologies.
Technology Experience: Familiarity with AML case management and transaction monitoring systemsAdditional InformationWork Hours: Varies upon the needs of the department.Travel Requirements: This position requires travel 5-10% of the time.Mental/Physical Requirements: This position will be performed in an office setting. The position will require the incumbent to sit and stand at a desk, communicate in person and by telephone, frequently operate standard office equipment, such as telephones and computers.Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.Visa will consider for employment qualified applicants with criminal histories in a manner consistent with applicable local law, including the requirements of Article 49 of the San Francisco Police Code.U.S. APPLICANTS ONLY: The estimated salary range for a new hire into this position is 109,800.00 to 151,200.00 USD per year, which may include potential sales incentive payments (if applicable). Salary may vary depending on job-related factors which may include knowledge, skills, experience, and location. In addition, this position may be eligible for bonus and equity. Visa has a comprehensive benefits package for which this position may be eligible that includes Medical, Dental, Vision, 401 (k), FSA/HSA, Life Insurance, Paid Time Off, and Wellness Program.

Visa