Senior Lead Financial Crimes Officer - Payments Advisory

At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. It all begins with outstanding talent. It all begins with you.

About this role:

Wells Fargo is seeking a Senior Lead Financial Crimes Officer to join the Payments Advisory & Oversight team within Financial Crimes Risk Management (FCRM). Learn more about the career areas and business divisions at wellsfargojobs.com. The Senior Lead Financial Crimes Officer will serve as a subject matter expert, supporting enterprise-wide initiatives to enhance payment transparency, data integrity, and financial crime compliance. This role partners with Product, Operations, Technology, and data governance teams, to ensure end to-end payment flows comply with regulatory expectations (e.g., FATF 16, Wolfsberg, FinCEN Travel Rule) and support effective sanction screening and transaction monitoring among other financial crime controls. The Senior Lead also acts as a bridge between financial crime controls and payment operations, contributing directly to the design, testing, and documentation of enterprise payment control frameworks.

In this role, you will:

• Participate and advise on gap assessments and control testing related to Travel Rule, message completeness, and beneficiary/debtor data requirements.

• Support development of the Payment Control Architecture (including inputs to RFPs, control libraries, and data validation routines).

• Contribute to the design of end-to-end payment transparency controls aligned with enterprise policy.

• Document control points, dependencies, and validation steps across payment processing, data lineage, and sanctions & monitoring systems.

• Partner with the Chief Data Office and Technology teams to trace payment data lineage for key financial crime use cases.

• Provide SME input into policy and procedure updates covering Travel Rule and Wolfsberg Payment Transparency, ISO 20022 adoption, and data validation.

• Review global payment messaging changes (SWIFT, CBPR+, Fedwire, ISO migration) and assess implications for AML & Sanctions controls.

• Represent FCRM in cross-functional working groups on payment standards and industry initiatives.

• Track and report progress against enterprise payment transparency and control enhancement goals.

• Support development of KEIs on control activities, KRIs & KPIs on payment data quality, transparency, and compliance adherence.

• Contribute to QA sampling or control testing to validate improvements and readiness for regulatory reviews. 

• Document Payment Transparency Control Framework components.

• Conduct Travel Rule gap assessments and remediation tracking.

• Deliver data mapping with financial crime attributes and lineage documentation.

• Provide advisory memos for payment product changes (e.g., instant payments, CIB products, cross-border services).

• Provide management reporting on payment transparency, initiatives, and controls.

Required Qualifications:

• 7+ years of Financial Crimes, Operational Risk, Fraud, Sanctions, Anti-Bribery, Corruption experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.

Desired Qualifications:

• In-depth knowledge of payment systems (SWIFT, Fedwire, CHIPs, RTP, ACH) and financial crime regulations relating to FATF 16, Wolfsberg, FinCEN, and OCC.

• Experience and data lineage mapping, control, design, or system testing related to sanctions/transaction monitoring environments.

• Strong understanding of ISO 20022 message elements and their impact on sanctions screening and Travel Rule compliance.

• Proven ability to collaborate across Compliance, Data, Technology and Operations functions.

• Deep understanding of payment rails (SWIFT, Fedwire, CHIPs, RTP, ACH, FedNow) and their respective risk profiles.

• Knowledge of key risk management practices by payment type, including sanctions, AML, and data governance considerations.

• Analytical mindset with ability to interpret data payment structures and control gaps. 

• Strong technical communication, with being able to translate regulatory