Senior Specialist, Digital Finance

At ATB, we exist to make it possible for our clients, team members and communities. Our purpose is more than aspirational. It's a real commitment we live every day through our values (what we call the ATB ID). Life at ATB is about more than work. In fact, we’re consistently recognized as one of Canada's top employers thanks to our high-care, high-performance culture, upheld by the three commitments we make to our team members: Impact in action: No matter where you are in the organization, you're empowered to make an impact in the lives of our clients and communities. Thrive together: We want you—the unique, authentic you—to feel safe and celebrated at work. We're on a continuous journey to build the most flexible and inclusive programs. Ready for tomorrow: We want to enable your success through interesting and challenging work, performance enablement, and learning and development. ## About the Role This position has a hybrid work arrangement. On average, this means 1 day on-site per week. Please note that this is subject to change due to business priorities. As ATB’s next Senior Specialist, Digital Finance, you will lead the risk management, due diligence, and ongoing compliance oversight for our high-growth payment business, including digital assets, Banking/Payment-as-a-Service (BAAS/PAAS) platforms, and fintech partnerships. Acting as the ultimate subject matter expert, you will safeguard ATB by monitoring partner performance and ensuring strict adherence to evolving financial regulations and detection standards. Ultimately, you will drive strategic growth by collaborating with regulatory bodies and mentoring internal teams to safely deliver cutting-edge digital asset and payment solutions. ## Accountabilities * Collaborate with executive leadership to design, implement, and maintain a comprehensive, risk-based digital finance strategy aligned with ATB’s risk appetite and regulatory requirements. * Identify, assess, and develop mitigation protocols for risks associated with new and existing digital financial products, services, and BAAS/PAAS operations. * Execute all first-line-of-defense risk accountabilities and responsibilities in strict accordance with ATB's published risk frameworks. * Contribute to disaster recovery, business continuity planning, and security programs to ensure operational resilience within digital financial services. * Serve as the key advisor to corporate banking, investment banking, equity research, and risk/compliance teams on the risk implications of strategic digital finance initiatives. * Provide expert counsel to internal stakeholders on financial payment risks, asset protection strategies, and regulatory compliance best practices. * Develop and deliver advanced training programs for ABS and Business Risk teams, focusing on fraud mitigation, transaction monitoring systems, fraud reporting protocols, and blockchain tracing methodologies. * Oversee critical relationships and complex risk matters concerning digital assets, Money Service Businesses (MSBs), Payment Service Businesses (PSBs), correspondent banking, and challenger banks. * Partner with sales leadership across Capital Markets, Business Banking, Business Solutions, and ABS to ensure the coordinated, risk-aware execution of digital finance initiatives. * Analyze complex transaction and operational data to detect patterns of financial payment risk, using insights to build enhanced detection and prevention strategies. * Provide regular, comprehensive reports to executive leadership detailing digital finance activities, fraud trends, and the effectiveness of current mitigation processes. * Support the development of Key Risk Indicators (KRIs) and risk dashboards to continuously monitor and report on the digital finance portfolio’s overall risk profile. * Ability to guide and mentor junior colleagues on complex financial crime topics while proactively driving continuous team learning and industry best practices. ## Skills, Experience & Requirements * A Bachelor's degree in Business, Finance, or a related discipline is highly desirable, providing a strong foundation for success in this dynamic role. * Minimum of 2 years of experience in financial crime, risk management, or compliance within banking, fintech, or digital assets. * Proven experience managing risks associated with BAAS/PAAS platforms, Money Service Businesses (MSBs), Payment Service Businesses (PSBs), and correspondent banking. * Digital Asset Expertise: Deep technical understanding of digital assets, blockchain technology, money movement, and the specific regulatory frameworks governing them. * Advanced knowledge of risk prioritization, evaluation, compliance testing, and the execution of first-line-of-defense risk frameworks. * Proficiency with financial risk detection tools, transaction monitoring systems, and specialized blockchain/on-chain tracing methodologies. * Strong command of financial regulations, anti-money laundering (AML) standards, and fraud prevention protocols. * Proven ability to manage complex workloads independently, delivering high-quality results with minimal oversight. * Exceptional communication and relationship-building skills, with a track record of serving as a trusted advisor to senior executives and cross-functional teams. Don’t meet all the requirements on the list? A resume only goes so far in expressing who you are and the unique perspectives you bring. If you believe your skills and experience align with the role—but you might not check all the boxes—we want to hear from you. We encourage candidates from all work backgrounds, equity-seeking communities and experience levels to apply. If you’re seeking a career where your drive, perspective and growth are celebrated, we want to hear from you. We’re dedicated to building a workforce reflective of those within our communities, and a culture where our team members are equipped with what they need to succeed—their way. Part of creating an inclusive workplace is recognizing our role in advancing Truth and Reconciliation. We are committed to meeting and exceeding the standards set out in the Partnership Accreditation in Indigenous Relations program created by the Canadian Council for Aboriginal Business. What happens next? If you are shortlisted, you’ll hear from us after the posting closes. Check out our How We Hire page to learn more about our hiring process. If you need any accommodations throughout this process, please let us know at talentteam@atb.com Stay in touch We’re excited that you’re interested in a career with ATB. Follow us on LinkedIn, Facebook and Instagram to learn more about what our team is up to.