Financial Crimes Analyst II, Third Party Payments

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

📋 Description

• Oversee ongoing program management activities independently for designated third-party partners.

• Perform onboarding risk assessments for partners, conduct periodic testing, enhanced due diligence, annual document updates, and risk evaluations.

• Analyze partner policies, procedures, AML/CFT documentation, audit materials, training records, and monitoring outcomes.

• Assess alerts, unusual activity referrals, sanctions screening reports, fraud metrics, AML metrics, CIP/KYC testing, and related data from partners.

• Conduct portfolio reviews to detect recurring issues, emerging risks, product trends, and weaknesses in controls.

• Act as a subject matter expert for partner compliance teams and internal stakeholders.

• Draft written findings, management summaries, testing outcomes, and remediation suggestions.

• Engage in and lead partner meetings and discussions related to ongoing program management.

• Raise significant deficiencies, unexplained activities, overdue remediation, or any issues that need management's attention.

• Contribute to improvements in processes, training materials, and knowledge sharing within the team.

• Undertake additional responsibilities as assigned.

⛳️ Requirements

• 2-4 years of experience in banking BSA/AML, fintech compliance, payments risk, fraud investigations, partner oversight, or a similar domain.

• Background in reviewing financial crime programs, policies, procedures, risk assessments, or testing outcomes.

• Solid understanding of BSA/AML, CIP/KYC, EDD, sanctions screening, transaction monitoring, and concepts related to suspicious activity reporting.

• Exceptional analytical, organizational, and problem-solving abilities.

• Proficient communication skills with both internal stakeholders and external fintech partners.

• Capability to work independently while demonstrating sound judgment and knowing when to escalate issues.

• Experience in BaaS, embedded finance, payments, lending, cards, or digital asset products is a plus.

• Preferred certifications include CAMS, CAFP, CFE, or other relevant qualifications.

🏝️ Benefits

• Competitive salary, with potential for equity grants and cash bonuses based on experience, geographic location, and role.

• Comprehensive medical, dental, vision, life insurance, 401k matching, and various wellness benefits, including FSA, HSA, and HRA.

• Paid parental leave.

• Flexible vacation policy, incorporating PTO and paid holidays.

• A fun and challenging team atmosphere in a dynamic industry that offers numerous opportunities for career advancement.