AML (Anti-Money Laundering) Risk Lead - USDS

Responsibilities
About the Team
USDS Financial Crime Compliance is responsible for overseeing and operationalizing all aspects related to Anti-Money Laundering (AML) and Sanctions Compliance activities related to TikTok USDS's operations. Collaborating cross-functionally with stakeholders across the U.S. and global, we address complex and cutting-edge challenges, which include the identification of money-laundering, terrorist financing and sanction violations. We seek a highly motivated, experienced, and dynamic professional to join our team.

To enhance collaboration and cross-functional partnerships, among other things, at this time, our organization follows a hybrid work schedule that requires employees to work in the office 3 days a week, or as directed by their manager/department. We regularly review our hybrid work model, and the specific requirements may change at any time.

Responsibilities
- Manage the enterprise-wide BSA/AML/OFAC governance framework design, execution, and improvement, leveraging deep knowledge of AML and sanctions-related regulations, money laundering typologies, and industry best practices.
- Develop and implement a data-driven Business-Wide Risk Assessment (BWRA) methodology for TikTok Live, TikTok Shop, and other products, evaluating inherent customer, geographic, and product/service risks, assessing control effectiveness, and identifying areas for improvement in collaboration with Business teams.
- Build Customer Risk Rating (CRR) and segmentation models to distinguish non-suspicious from suspicious user networks, working closely with Business teams to align on key risk factors.
- Conduct New Product Risk Assessments (NPRA) to evaluate new TikTok features and products for BSA/AML/OFAC risk exposure, and deliver actionable guidance to ensure operational, strategic, and regulatory readiness across FCC and USDS.
- Lead policy and procedure creation/amendment efforts in response to internal changes or evolving regulatory requirements.
- Own and maintain the internal compliance training program across frontline, second line, and leadership audiences, with emphasis on BSA/AML/OFAC obligations in terms of identification, escalation, and mitigation protocols.
- Manage and continuously improve the FCC change management process, ensuring comprehensive review and timely execution of updates within defined SLAs.
- Monitor regulatory changes and coordinate implementation of required updates with internal teams and external vendors.
- Perform special projects and additional duties and responsibilities as required.

Qualifications
Minimum Qualifications
- 5+ years of experience in a BSA-specific role at a financial institution or similar, including identification, investigation, and reporting of suspicious activity.
- 3+ years of demonstrated experience across multiple AML domains (e.g., KYC, AML transaction monitoring, and sanctions compliance).
- 3+ years of experience in compliance/risk management, internal audit, or QA/QC within an AML function.
- Strong understanding of key federal banking regulations: BSA, USA PATRIOT Act, OFAC, and FinCEN requirements.
- Demonstrated ability to apply knowledge of of trends/typologies in money laundering and fraud schemes to advise strategic direction as well as day-to-day activities.
- Demonstrated ability to work collaboratively with cross-functional and global partners.
- Excellent research, analytical, problem-solving, and communication skills; ability to synthesize observations into actionable conclusions.

Preferred Qualifications
- Professional certifications (e.g., OFAC, ACAMS, CIA, CFE).
- Experience with automated transaction monitoring and/or case management systems.
- Strong written and communication skills, with ability to present findings clearly.
- Proven critical thinking and sound judgment in documentation and decision-making along with Exceptional attention to detail and high compliance standards.
- Self-motivated, adaptive, and innovative team player with Prior experience mentoring or leading team members.

About USDS
TikTok is the leading destination for short-form mobile video. Our mission is to inspire creativity and bring joy. U.S. Data Security (“USDS”) is a subsidiary of TikTok in the U.S. This new, security-first division was created to bring heightened focus and governance to our data protection policies and content assurance protocols to keep U.S. users safe. Our focus is on providing oversight and protection of the TikTok platform and U.S. user data, so millions of Americans can continue turning to TikTok to learn something new, earn a living, express themselves creatively, or be entertained. The teams within USDS that deliver on this commitment daily span across Trust & Safety, Security & Privacy, Engineering, User & Product Ops, Corporate Functions and more.

Data Security Statement
This role requires the ability to work with and support systems designed to protect sensitive data and information. As such, this role will be subject to strict national security-related screening.


Why Join Us
Inspiring creativity is at the core of TikTok's mission. Our innovative product is built to help people authentically express themselves, discover and connect – and our global, diverse teams make that possible. Together, we create value for our communities, inspire creativity and bring joy - a mission we work towards every day.
We strive to do great things with great people. We lead with curiosity, humility, and a desire to make impact in a rapidly growing tech company. Every challenge is an opportunity to learn and innovate as one team. We're resilient and embrace challenges as they come. By constantly iterating and fostering an "Always Day 1" mindset, we achieve meaningful breakthroughs for ourselves, our company, and our users. When we create and grow together, the possibilities are limitless. Join us.

Diversity & Inclusion
TikTok is committed to creating an inclusive space where employees are valued for their skills, experiences, and unique perspectives. Our platform connects people from across the globe and so does our workplace. At TikTok, our mission is to inspire creativity and bring joy. To achieve that goal, we are committed to celebrating our diverse voices and to creating an environment that reflects the many communities we reach. We are passionate about this and hope you are too.


USDS Reasonable Accommodation
USDS is committed to providing reasonable accommodations in our recruitment processes for candidates with disabilities, pregnancy, sincerely held religious beliefs or other reasons protected by applicable laws. If you need assistance or a reasonable accommodation, please reach out to us at https://tinyurl.com/USDS-RA


Job Information
【For Pay Transparency】Compensation Description (Annually)
The base salary range for this position in the selected city is $118800 - $269800 annually.
Compensation may vary outside of this range depending on a number of factors, including a candidate’s qualifications, skills, competencies and experience, and location. Base pay is one part of the Total Package that is provided to compensate and recognize employees for their work, and this role may be eligible for additional discretionary bonuses/incentives, and restricted stock units.
Benefits may vary depending on the nature of employment and the country work location. Employees have day one access to medical, dental, and vision insurance, a 401(k) savings plan with company match, paid parental leave, short-term and long-term disability coverage, life insurance, wellbeing benefits, among others. Employees also receive 10 paid holidays per year, 10 paid sick days per year and 17 days of Paid Personal Time (prorated upon hire with increasing accruals by tenure).
The Company reserves the right to modify or change these benefits programs at any time, with or without notice.
For Los Angeles County (unincorporated) Candidates:
Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state, and local laws including the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act. Our company believes that criminal history may have a direct, adverse and negative relationship on the following job duties, potentially resulting in the withdrawal of the conditional offer of employment:
1. Interacting and occasionally having unsupervised contact with internal/external clients and/or colleagues;
2. Appropriately handling and managing confidential information including proprietary and trade secret information and access to information technology systems; and
3. Exercising sound judgment.