Compliance Analyst

This is a fully remote position, open to applicants in United States.

📋 Description

• Perform KYC and KYB evaluations, which encompass identity verification, beneficial ownership analysis, risk assessments driven by use cases, and documentation for examination-ready clearance rationale.

• Evaluate and manage OFAC/sanctions, PEP, and adverse media alerts, ensuring appropriate escalation while maintaining case documentation and monthly reporting logs.

• Investigate transaction monitoring alerts and prepare UARs for submission to the partner bank within set SLAs.

• Carry out Enhanced Due Diligence reviews for high-risk clients, including both trigger-based and periodic evaluations.

• Compile and submit regular reporting deliverables for bank partners, including OFAC/sanctions logs, complaint reporting, CIP reporting, and metrics related to fraud, disputes, and support.

• Conduct FinCEN 314(a) list searches and assist with law enforcement inquiry responses.

• Maintain compliance metrics, tracking logs, and KPI reporting for internal governance and partner bank review.

• Assist in responding to partner bank RFIs, audit requests, and examination inquiries.

• Draft and refine SOPs while identifying discrepancies between documented procedures and actual practices.

• Aid in the integration and optimization of IDV, screening, case management, and workflow automation tools, including quality assurance of AI-assisted review workflows.

• Engage across the entire BSA/AML lifecycle and contribute to policy formulation, process enhancement, and compliance technology initiatives.

⛳️ Requirements

• Minimum of 2 years of BSA/AML compliance experience within fintech, payments, or a bank-partnered setting (3–5 years preferred).

• Practical experience in KYC/KYB reviews, including CIP decision-making and documentation of clearance rationale.

• Experience with transaction monitoring and investigation, including narrative writing for UARs or SARs.

• Solid understanding of BSA/AML regulatory requirements, including CIP (31 CFR 1020.220), the CDD Rule (31 CFR 1010.230), and OFAC sanctions obligations.

• Proficient in preparing regulatory or bank partner reporting deliverables, such as OFAC logs, complaint reports, and compliance metrics, for recurring submission schedules.

• Strong analytical abilities coupled with exceptional written documentation skills.

• Capability to work autonomously in a remote environment and discern when to escalate issues.

• CAMS certification or currently pursuing it (preferred).

• Direct experience in UAR preparation within a sponsor bank or program manager environment (preferred).

• Familiarity with modern IDV and case management platforms, such as Persona, and internal tools like Retool (preferred).

• Exposure to Enhanced Due Diligence programs and methodologies for customer risk rating (preferred).

• Skills in SQL or data analysis relevant to alert investigation and metrics reporting (preferred).

• Experience in documenting and justifying AI-assisted compliance decisions (preferred).

• Candidates must reside in the United States.

• Visa sponsorship or assistance is not available.

🏝️ Benefits

• Unlimited PTO.

• 12 weeks of fully paid parental leave.

• 4-Week Fully Paid Sabbatical (earned at your 5-year anniversary).

• Work From Anywhere: the option to work from any location globally for 4 weeks each year.

• 3% cashback on card purchases through your complimentary Privacy.com employee account.

• Health, vision, and dental insurance; HSA Contribution Match.

• 401(k) match.

• Voluntary Life Insurance and STD/LTD.

• Equity.