BSA/AML Compliance Leadership
BSA/AML Compliance Leader — FinTech Oversight | AML Governance | Program Buildout
13+ years in financial services leading BSA/AML programs, sponsor-bank FinTech oversight, and AML governance at national institutions. Author of Strategies for BSA Officers.
Profile
Richard M. Mulder is a Certified Anti-Money Laundering Specialist (CAMS) with more than 13 years in financial services. He leads FinTech BSA/AML oversight at a sponsor bank, working with FinTech partners to build programs that meet bank and regulatory expectations — risk assessments, monitoring oversight, escalation discipline, and exam readiness. He also served a year in interim AML/CFT operations leadership, running day-to-day financial-crimes operations alongside his oversight role.
Before that, he spent seven years in BSA/AML governance and oversight at American Express National Bank; earlier still, he served as Chief Compliance Officer at Credit Corp Solutions, where he built and ran a consumer-compliance (FDCPA) program for a debt-collection firm. His work sits at the intersection of regulation, operations, and technology: translating BSA/AML requirements into programs that actually run.
Capabilities
Career
Mar 2025 – Present
FinTech BSA/AML Oversight
Interim AML/CFT Operations leadership — Mar 2025 – Feb 2026
Jan 2018 – Feb 2025
BSA/AML Governance & Oversight
Jul 2014 – Jan 2018
Chief Compliance Officer
Academic
Brigham Young University B.S., Business Administration (2026)
Portfolio
Proof, not promises: a few things I've built.
I study how structured AI assistance can make compliance reviews more disciplined: breaking a review into careful, control-by-control questions so a human reviewer can test whether a program's design matches its documentation. My interest is the governance of it — AI as a rigorous checklist, never the decision-maker, and always inside approved tools and data boundaries.
Demonstrates:BSA/AML subject-matter depth + applied AI fluency.
A complete 43-chapter draft of a practical guide to sponsor-bank BSA/AML — organised on a five-part framework: Classify → Assess → Build → Monitor → Escalate. Written for the partners and bankers who have to make FinTech compliance work in practice, not just on paper. Currently in development toward publication.
Demonstrates:program architecture + technical writing.
Alongside my oversight role, I spent a year in interim AML/CFT operations leadership — running day-to-day financial-crimes operations while keeping the oversight program on track. Holding both seats at once gives me something most oversight professionals don't have: I know exactly what my expectations feel like from the operator's chair.
Demonstrates:operations leadership + oversight credibility.
Board Member & Co-Director of Communications, ACAMS Greater Salt Lake Chapter (2024–2026) — chapter programming, member communications, and events for the region's anti-financial-crime community, including a year serving remotely after relocating.
Demonstrates:industry leadership + professional community.
The workbooks and framework behind the work above — free to download.
Excel workbooks download as ZIP archives — unzip to use them.
Track Record
An AML track record of programs built, not just maintained.
American Express National Bank, 2018–2025
Seven years in BSA/AML governance and oversight at a national bank: the frameworks, standards, and challenge routines that keep a large AML program coherent — and the discipline of defending that program to auditors and examiners.
First Internet Bank, 2025–present
Building sponsor-bank BSA/AML oversight of FinTech partners as a program, not a pile of reviews: partner risk assessment, monitoring expectations, escalation paths, and the evidence trail an examiner expects to find.
Interim AML/CFT operations leadership, 2025–2026
A year running day-to-day financial-crimes operations alongside the oversight build. Most oversight programs are written by people who have never had to live inside one; this one was.
Publications & Community
Book
Newsletter
A twice-weekly LinkedIn newsletter on BSA/AML practice for FinTech partners and compliance professionals.
In Development
A second book, on BSA/AML for FinTech sponsor banking, is in development.
Community
Board Member & Co-Director of Communications.
Fiction
Conquest: A Dystopian GameLit Saga — a dystopian GameLit series (Inception prequel; Ascension; Deception; Revelation; with Oppression, Damnation, and Salvation forthcoming).
Get in Touch
Interested in BSA/AML leadership, FinTech oversight, or speaking and writing on financial-crimes compliance? Connect on LinkedIn or by email.
