ACH & AML Compliance Officer - Vancouver, BC VC A

Department: Compliance · Reports To: CEO / Board of Directors · Location: Remote (USA) · About Us · Push Technologies is a payroll processing company serving restaurants and retail establishments across the United States. We process ACH payroll transactions and are a growing comp ...

Job description

Department: Compliance

Reports To: CEO / Board of Directors

Location: Remote (USA)

About Us

Push Technologies is a payroll processing company serving restaurants and retail establishments across the United States. We process ACH payroll transactions and are a growing company where compliance plays a central role in our operations and banking relationships.

The Role

We're looking for a compliance professional who can own two critical areas: ACH/NACHA compliance and AML/BSA compliance. This is a dual-discipline role where you'll manage our ACH operations compliance as a NACHA-registered Third-Party Sender while simultaneously operating our anti-money laundering program. You'll be the primary compliance decision-maker, reporting directly to executive leadership with Board visibility.

This is not a role where compliance is theoretical – you'll be hands-on with NACHA Operating Rules, managing return rates, conducting originator due diligence, filing SARs, and building the policies and procedures that keep our company compliant and our banking relationships strong.

What You'll Do

ACH & NACHA Compliance

• Ensure full compliance with NACHA Operating Rules as a registered Third-Party Sender
• Manage and monitor ACH return rates to maintain compliance with NACHA thresholds (administrative and unauthorized returns)
• Conduct originator due diligence and onboarding, including risk assessments for new clients
• Oversee ACH authorization requirements for PPD, CCD, and WEB entry types
• Manage exposure limits, prefunding requirements, and account reconciliation procedures
• Develop and maintain ACH policies, standard operating procedures, and compliance documentation
• Prepare for and manage NACHA audits and regulatory examinations
• Monitor and implement NACHA rule changes (including upcoming fraud monitoring, entry description, and authorization requirements)
• Manage relationships with our ODFI banking partner on ACH compliance matters

AML / BSA Compliance

• Own and operate the company's AML/BSA compliance program, including risk assessments and gap analysis
• Administer OFAC sanctions screening and investigate potential matches
• Oversee KYC/CIP procedures, Enhanced Due Diligence for high-risk clients, and beneficial ownership verification
• Investigate suspicious activity, maintain case documentation, and coordinate SAR referrals to banking partners
• Respond to law enforcement inquiries and 314(a) requests
• Develop and deliver AML training for relevant employees
• Report compliance program status and issues to executive management and the Board
• Arrange independent reviews and manage regulatory examinations

What We're Looking For

Required

• 5+ years compliance experience with direct ACH/NACHA Operating Rules responsibilities
• Strong working knowledge of NACHA rules including Third-Party Sender obligations, return rate management, originator agreements, and authorization requirements
• Experience with BSA/AML compliance including KYC/CIP programs, suspicious activity investigations, and OFAC sanctions screening
• Hands-on experience in a payments company, payroll processor, fintech, or Third-Party Sender environment (not exclusively bank-side)
• Experience with ACH audit preparation and regulatory examinations
• Excellent communication skills for Board reporting and policy documentation
• Bachelor's degree in Business, Finance, Law, or related field

Preferred

• AAP (Accredited ACH Professional) or APRP certification
• CAMS certification (or ability to obtain within 12 months)
• Experience managing a Third-Party Sender registration or transition (nested to direct TPS)
• Familiarity with prefunding models and account structures used by Third-Party Senders
• Experience with Plaid or similar bank account verification platforms
• Background in payroll processing specifically

Compensation & Benefits

• Competitive salary: $100,000 – $140,000 USD commensurate with experience
• Professional development support including certification fees (AAP, CAMS)
• Health, dental, and vision insurance
• Flexible remote work arrangement

Push Technologies is an equal opportunity employer.