About ARQ

ARQ is one of the fastest-growing fintechs in the world. Our mission is to redefine how people interact with money across borders, building the backbone to move value seamlessly. We’re still early in our journey, which means every person who joins shapes the future of our product, culture, and growth. If you’re excited by big challenges, global impact, and the chance to grow fast with a world-class team, ARQ is the place to do it.

The job

You find risk, measure it and call it. You do not fix it.

Every finding you write answers three things: what is broken, how bad it is, and what evidence proves it. You don't soften the rating and you don't propose the remedy. The business owns the fix. You own the truth about the risk.

What you will do

Test our BSA/AML, KYC, OFAC and transaction monitoring controls end to end, independently of the teams that run them

Rate every finding (high / medium / low) with evidence that holds up in front of a regulator

Pull and analyze data yourself; you don't wait for someone to send you a report

Challenge thresholds, alert logic and sampling assumptions with numbers, not opinions

Track open issues until owners close them, and escalate when they don't

Prepare us for regulator exams and audits, and be the person in the room who already knows the weak spots

What you need (non-negotiable)

8+ years in BSA/AML, FinCrime, internal audit or regulatory compliance

Experience at a top-tier audit/advisory firm, in-house compliance, or both. Both is ideal.

You have written findings that a regulator, auditor or board actually read

You can say "this is high risk" to a senior leader and point to the regulation which proves it.

Deep working knowledge of the BSA, USA PATRIOT Act, OFAC and FinCEN expectations

Nice to have

Law degree (JD) or bar admission

Degree in engineering, mathematics, statistics or another STEM field

SQL: you can query transaction data yourself

Python or R for analysis, sampling or testing alert logic

Statistics: sampling design, hypothesis testing, threshold and model validation

CAMS, CRCM, CIA, CISA, CPA or CFE

Exposure to AI or model risk (SR 11-7, NIST AI RMF)

You will not enjoy this role if

You need someone else to pull the data for you

You round risk ratings down to keep people comfortable

You are uncomfortable being the person no one wants in the meeting