Senior Analyst, Fraud and AML

This is a fully remote position, open to applicants in California, +3 more states.

📋 Description

• Assess incoming fraud and AML alerts, distinguishing genuine risks from false alarms and prioritizing based on member impact and potential losses.

• Manage the daily operations of alert and case queues, ensuring timely processing, quality assurance, and proper documentation of outcomes.

• Handle alerts and cases related to account takeover, first-party and ACH abuse, money mule activities, and the inappropriate use of consumer accounts for business purposes.

• Monitor SLAs and conduct quality checks on case resolutions.

• Investigate intricate, multi-account cases and make well-documented, justifiable decisions.

• Prepare SAR referrals along with necessary case documentation.

• Collaborate with banking and brokerage partners on escalated cases.

• Assist in incident response by identifying root causes and documenting necessary changes.

• Evaluate rule and control performance, including alert accuracy, decision-making time, false positives, and loss results.

• Suggest tuning and remediation enhancements and oversee their implementation.

• Recognize emerging patterns in fraud and AML activities.

• Aid BSA and AML compliance efforts, encompassing documentation, training, testing evidence, independent audits, and assessments.

• Contribute to procedural documentation and incident reports.

• Work collaboratively with product, engineering, operations, and data teams.

• Communicate queue health, emerging trends, and control performance to the Senior Manager.

• Articulate findings and the trade-offs between loss prevention and member experience in clear, accessible language.

⛳️ Requirements

• A minimum of 4 years of experience in fraud operations with AML compliance for deposit and/or brokerage products (preferably both) at a fintech company.

• Practical experience in fraud triage processes.

• Strong analytical capabilities.

• Excellent written and verbal communication skills.

• A collaborative, inquisitive mindset with the ability to thrive in a dynamic environment.

• Relevant industry certifications such as CAFS, CAMS, CFCS, or CFE are preferred.

• Experience in tuning rules, scenarios, or models, or working with case management and alerting systems is preferred.

• Experience in supporting independent testing, regulatory examinations, or partner audits is preferred.

• In-depth understanding of the US regulatory framework and fraud typologies is preferred.

• A Bachelor's degree in business, statistics, STEM, economics, criminal justice, or a related discipline, or equivalent experience is preferred.

🏝️ Benefits

• Health, Dental & Vision Plans

• Life Insurance

• Long/Short Term Disability

• Competitive Pay

• 401k Matching

• Team Member Stock Purchasing Program (TMSPP)

• Learning & Development Opportunities

• Tuition Reimbursement

• Unlimited PTO

• Daily Lunch, Snacks & Coffee (in-office only)

• Commuter benefits (in-office only)

• Bonus