--- title: 'BSA/AML Officer - US at ARQ' canonical: 'https://feeny.ai/job/bsa-aml-officer-us-arq-new-york-q5khqq9e11sm' type: 'job' last_seen: '2026-10-23' --- # BSA/AML Officer - US at ARQ - **Company:** ARQ - **Location:** New York, NY - **Employment:** full-time - **Work type:** hybrid - **Posted:** 2026-10-20 - **Last confirmed live:** 2026-10-23 - **Apply:** https://jobs.ashbyhq.com/arq/fb3922f1-6dd9-45f1-8f20-8f1d9575edb0 ## Job description ## 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) - 4+ 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 - You uniform to the norm. ## About ARQ ## Company Overview - **One-liner**: ARQ (formerly DolarApp) is a global fintech platform that provides multi-currency accounts, real-time currency conversion, and investment access to US stocks and ETFs for individuals across the Americas. - **Entity Type**: Private (funding stage not disclosed; raised tens of millions from top-tier investors) - **Headquarters**: Not publicly available (serves the Americas; localized sites for Argentina and Mexico) - **Founded**: 2021 - **Founders**: Not publicly available ## Core Business - **Primary industry**: Fintech – cross‑border banking, payments, wealth management - **Target customers**: B2C – travelers, investors, professionals, and global citizens in Latin America and beyond - **Mission**: “Modern finance for the global era” – to give customers control over their money with faster, cheaper, and more transparent financial rails. ## Products & Services - **ARQ Multi‑Currency Account**: A digital account supporting USD, EUR, and local currencies (e.g., Argentine peso, Mexican peso). Users can convert between currencies at real market rates with no hidden fees. - **ARQ Debit Card**: A Mastercard (inferred) for spending at leading conversion rates with zero commission or hidden charges. - **ARQ Investments**: Access to US stocks and ETFs directly from the ARQ account, enabling long‑term wealth building. - **Payment Rails**: US and European local account details to receive and send payments globally. ## Market Standing - **Valuation**: Not publicly available - **Key Metric (Private)**: Total funding – “tens of millions of dollars” from renowned investors; 2 million users as of 2026-07-01 - **Notable Investors**: Sequoia Capital, Founders Fund, Brevan Howard Digital, Y Combinator, Kaszek Ventures - **Growth Signals**: Rebranded from DolarApp to ARQ in 2024 (per Sequoia partnership date); rapid user growth (2M people); expansion across the Americas; product diversification into investing. ## Competitive Advantages - **Transparent pricing**: Real market conversion rates, no hidden fees – a stark contrast to traditional banks - **Global accounts**: Users get US and EU bank details and a debit card usable worldwide - **World‑class backing**: Sequoia, Founders Fund, YC, etc. provide credibility and strategic support - **Elite team**: Small, high‑caliber team with experience at Revolut, Uber, Amazon, Block, and UBS, enabling fast execution - **Vertical integration**: Combining payments, currency exchange, and investing in one app ## Strategic Focus - **Build the financial system of the next century** – replace legacy banking middleware with direct, customer‑owned rails - **Scale across the Americas** – starting in Argentina and Mexico, then expanding to other markets - **Deepen wealth management** – add more asset classes and long‑term savings tools - **Maintain a lean, high‑impact team** – “small teams with the best talent outcompete massive companies” ## Why Work Here - **Culture**: “Long‑term ambition and absolute conviction”; “nimble, but ambitious” – the careers page describes a mission‑driven, execution‑focused environment - **Team & autonomy**: Small teams own meaningful product areas; high ownership and rapid iteration - **Remote/office**: Not explicitly stated, but likely hybrid or remote‑friendly given the global nature of the business - **Notable**: Founders and early employees have built profitable products at iconic companies; strong emphasis on “world‑class in everything we do” - **Perks**: Not publicly disclosed, but likely competitive compensation and equity in a high‑growth fintech ## Sources 1. [arqfinance.com](https://www.arqfinance.com/en-AR) 2. [jobs.ashbyhq.com/arq](https://jobs.ashbyhq.com/arq) 3. [sequoiacap.com/companies/arq/](https://sequoiacap.com/companies/arq/) 4. [arqfinance.com/en-AR/careers](https://www.arqfinance.com/en-AR/careers) ## Other roles at ARQ - [Head of Growth - Argentina](https://feeny.ai/job/head-of-growth-argentina-arq-buenos-aires-wdvxv9t52dps) — Buenos Aires, Argentina - [Jr Controllership Analyst - Brazil](https://feeny.ai/job/jr-controllership-analyst-brazil-arq-sao-paulo-9d1n9ybvhf8a) — São Paulo, Brazil - [Strategy & Operations](https://feeny.ai/job/strategy-operations-arq-new-york-wjbg5kvqy3nf) — New York, NY - [FP&A Data Analyst](https://feeny.ai/job/fp-a-data-analyst-arq-london-rr9deqqnvn5n) — London, United Kingdom - [Senior Software Engineer | Platform](https://feeny.ai/job/senior-software-engineer-platform-arq-london-kbdzqdpk7kre) — London, United Kingdom - [Head of Tax](https://feeny.ai/job/head-of-tax-arq-sao-paulo-hf2x7affgbb4) — São Paulo, Brazil - [Investment Advisor - Brazil](https://feeny.ai/job/investment-advisor-brazil-arq-sao-paulo-wj4gdkhnsb7j) — São Paulo, Brazil - [Customer Support Specialist](https://feeny.ai/job/customer-support-specialist-arq-sao-paulo-nd6xmzs83g58) — São Paulo, Brazil - [Investment Advisor / Asesor de Inversiones - Mexico](https://feeny.ai/job/investment-advisor-asesor-de-inversiones-mexico-arq-mexico-city-70w6nzrz8jpx) — Mexico City, Mexico - [Licensing Associate](https://feeny.ai/job/licensing-associate-arq-mexico-city-4zcqzadcy6pj) — Mexico City, Mexico