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About the Role

SoFi is seeking a Senior Counsel with extensive experience in economic sanctions and anti-money laundering (AML) to join the Legal team. This attorney will serve as the primary legal expert on U.S. sanctions administered by OFAC and advise on BSA/AML requirements across all SoFi products and business lines. The role involves close collaboration with Compliance, Risk, Product, Engineering, Operations, and Financial Crimes teams, and supports regulatory examinations and engagement with federal banking regulators and OFAC.

Responsibilities

Act as the lead legal advisor on OFAC sanctions programs, including country-based and list-based sanctions, the 50 Percent Rule, sectoral sanctions, and secondary sanctions risk.
Advise on the practical application of sanctions screening, blocking, rejecting, and reporting obligations, including blocked property reports, rejected transaction reports, and annual reports of blocked property.
Assess potential sanctions violations, lead internal investigations, and advise on voluntary self-disclosures to OFAC.
Prepare and submit specific license requests, interpretive guidance requests, and other correspondence to OFAC, and advise on the application of general licenses.
Advise on BSA/AML requirements, including customer due diligence (CDD), beneficial ownership, Customer Identification Program (CIP), suspicious activity reporting (SAR), currency transaction reporting (CTR), recordkeeping, and FinCEN requirements.
Review and advise on SoFi's sanctions and AML policies, procedures, risk assessments, and screening methods, partnering with Compliance to ensure program effectiveness and regulatory alignment.
Provide legal guidance on new products, features, partnerships, and markets, identifying and mitigating sanctions and AML risks.
Support regulatory examinations, inquiries, and enforcement matters with relevant agencies.
Review and negotiate sanctions and AML provisions in vendor, partner, and commercial agreements.
Track and analyze legislative, regulatory, and enforcement developments, communicating their impact to business stakeholders and senior leaders.
Develop and deliver training on sanctions and AML legal requirements.
Manage outside counsel on sanctions and AML matters.

Requirements

J.D. from an ABA-accredited law school.
Active membership in good standing in at least one U.S. state bar.
7 to 10 years of legal experience with a substantial and direct focus on U.S. economic sanctions (OFAC) and BSA/AML regulation.
In-depth knowledge of OFAC regulations (31 C.F.R. Chapter V), sanctions programs, and enforcement practice.
Hands-on experience preparing license applications, voluntary self-disclosures, and responses to OFAC subpoenas or administrative inquiries.
Experience advising on screening, blocking and rejecting decisions, and sanctions compliance program design consistent with OFAC's A Framework for OFAC Compliance Commitments.
Strong working knowledge of the BSA, the USA PATRIOT Act, the Anti-Money Laundering Act of 2020, and FinCEN regulations.
Experience advising banks, broker-dealers, money services businesses, fintech companies, or other regulated financial institutions.
Excellent judgment with the ability to translate complex legal requirements into clear, practical, risk-based advice for non-lawyers.
Strong written and oral communication skills, including experience presenting to senior leaders.
Ability to work independently and manage multiple priorities in a fast-paced environment.

Skills

Economic sanctions
Anti-money laundering (AML)
OFAC
BSA/AML
Legal advisory
Regulatory compliance
Risk assessment
Policy development
Investigation
Contract negotiation
Legal research
Training development
Outside counsel management

Location

Remote (excluding Hawaii, Alaska or Puerto Rico)

Work Type

Full-time

Experience Level

Senior
7-10 years

Education Level

Juris Doctor (J.D.)

Benefits

Comprehensive and competitive benefits

About the Company

Shape a brighter financial future with us.
We are a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals.
We are at the forefront of an unprecedented transformation in the financial industry.
We are proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way.
Join us to invest in yourself, your career, and the financial world.

Equal Opportunity

SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.
The Company hires the best qualified candidate for the job, without regard to protected characteristics.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
SoFi is committed to an inclusive culture.
As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities.