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About the Role

The VP, KYC Operations Team Lead is responsible for the strategic oversight and day-to-day management of KYC operations across settlement services, card issuing, and retail banking. This role leads a team of analysts through customer onboarding, program changes, and risk reviews, while driving cross-functional collaboration to ensure scalable, compliant, and efficient KYC execution aligned with BSA, AML, and CIP requirements.

Responsibilities

Oversee the KYC lifecycle for settlement services, card issuing, and retail banking customers in line with BSA, AML, and CIP requirements.
Manage program changes, new customer onboardings, and periodic reviews to meet deadlines and reduce risk.
Assign and oversee requests for new customers and updates to existing relationships.
Serve as the main escalation point for analyst questions and issues.
Update and improve KYC standards as requirements and processes change.
Identify training needs and process improvements that increase efficiency and improve the customer experience.
Prepare monthly metrics on pipeline and completed accounts for management reporting.
Identify and escalate emerging KYC risks in settlement services and retail banking, including recommended actions.
Support strategic initiatives from bank management and business growth opportunities.
Support CDD initiatives, including due diligence enhancements, risk scoring, process improvements, and risk assessment frameworks.
Oversee KYC due diligence reviews for settlement services, card issuing, and retail banking customers.
Support technology and process initiatives from planning through implementation.
Partner with technology and operations teams to improve KYC workflows, automation, and onboarding efficiency.
Monitor KYC processes to ensure controls remain aligned with regulatory requirements and industry standards.
Maintain quality control to ensure KYC reviews meet compliance and regulatory standards.
Coach and develop KYC analysts while promoting a high-performing, compliance-focused team environment.
Assess training needs across lines of business and deliver targeted KYC training by product and service.
Support the Head of KYC Operations in performance management and employee development.
Serve as a KYC resource to business partners, Third Party Risk Management, Legal, and Compliance.
Report on KYC operations, customer risk trends, and customer attributes across core segments.
Partner with AML, fraud, and compliance teams on a coordinated financial crime risk approach.
Work with business stakeholders to provide KYC guidance and support smooth onboarding and monitoring.
Support KYC-related regulatory examinations and audits.

Requirements

7 – 10 years of experience in KYC, AML, BSA Compliance, or related across settlement services, card issuing, correspondent banking, or retail banking.
Strong knowledge of KYC/AML regulations, including FinCEN, FATF, and the USA PATRIOT Act.
Experience managing KYC for customers in digital payments, prepaid cards, correspondent banking, and banking services.
Strong analytical skills and sound compliance judgment.
Ability to work effectively in a fast-paced, highly regulated environment.
Excellent written and verbal communication skills.

Skills

KYC
AML
BSA Compliance
FinCEN
FATF
USA PATRIOT Act
KYC technology
workflow automation tools
analytical skills
compliance judgment
written communication
verbal communication

Experience Level

7-10 years

Education Level

CAMS or similar compliance certification preferred

About the Company

CFSB (Community Federal Savings Bank) is a federally chartered financial institution that provides banking and payment solutions for consumers, businesses, and fintech partners.
The bank specializes in supporting embedded finance, Banking-as-a-Service (BaaS), and payment processing while offering traditional banking products such as deposit accounts and lending services.
CFSB is recognized for its strong regulatory and compliance focus, partnering with innovative financial technology companies to deliver secure, scalable financial services in a highly regulated environment.
Community Federal Savings Bank (CFSB) is a federally chartered bank founded in 2001 and headquartered in New York City.
CFSB has focused on providing superior service and added value to clients though a solid understanding of relationship banking.
We offer a full range of services, including loans, bill payments, card services, internet banking, and merchant processing.

Equal Opportunity

We are an equal opportunity employer and do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, disability, military and/or veteran status, or any other Federal or State legally-protected classes.