Financial Crimes & Compliance Analyst

6 hours ago

Apply Now

Receive Emails with Similar Jobs

EarnIn

WebsiteLinkedInAll Job Openings

Fintech • SaaS • B2C

EarnIn is a financial technology company that offers innovative solutions for accessing your earnings faster without the need for high fees or credit checks. The company provides services such as Cash Out, where users can transfer up to $150/day or $750/pay period to a linked bank account, and Early Pay, which allows users to receive their paycheck up to two days early. Balance Shield helps avoid overdraft fees with real-time notifications and optional auto-transfers, while Credit Monitoring offers free access to users' Vantage Score 3. 0 by Experian. Additionally, the Tip Yourself feature encourages savings with each paycheck. EarnIn operates on a model that relies on optional tips instead of mandatory fees, helping users manage their finances with ease and security. Banking services are provided in conjunction with Evolve Bank & Trust, Member FDIC.

201 - 500 employees

Founded 2013

💳 Fintech

☁️ SaaS

👥 B2C

💰 $125M Series C on 2018-12

📋 Description

• Review, analyze, and disposition AML alerts in accordance with internal procedures and regulatory expectations. • Monitor customer transactions and behavioral patterns to identify risks related to money laundering, terrorist financing, fraud, and sanctions violations. • Conduct detailed investigations into potentially suspicious activity and document findings in clear, accurate, complete, audit-ready case files, including SAR recommendations when warranted. • Review OFAC sanctions and PEP alerts, including escalation and resolution of potential matches. • Conduct annual BSA/AML/Sanctions risk assessment to assess risk exposure and improve controls. • Collaborate with cross-functional partners—including Fraud Operations, Risk, Product, and Engineering—to strengthen compliance controls and support scalable growth. • Assist in developing and refining policies, procedures, and playbooks for the Financial Crimes and Compliance Program. • Assist in the testing, development and tune of transaction monitoring rules for existing products and services. • Maintain a strong understanding of regulatory requirements (e.g., BSA/AML, OFAC, USA PATRIOT Act, Reg Z, UDAAP, etc.) and their applicability to EarnIn’s products and services. • Support regulatory reporting, audits, or examinations. • Manage and execute projects efficiently within specified timeframes, working across multiple business lines. • Provide cross-functional support across regulatory issues management and the overall compliance program.

🎯 Requirements

• 3+ years of experience in AML investigations, Financial Crimes compliance, compliance, or risk management within fintech, banking, or financial services. • Bachelor's degree or equivalent professional experience. • ACAMS designation or similar certification strongly preferred • Demonstrated knowledge and application of financial crimes laws and regulations (BSA/USA PATRIOT Act/AMLA/FinCEN regs/OFAC regs) • Strong analytical, organizational, and critical thinking skills, with the ability to multitask and adapt in a rapidly changing environment. • Strong investigative skills, including familiarity with public record research and database tools • Proficiency in Excel/Sheets (VLOOKUP, INDEX MATCH, advanced conditional formatting, pivot tables and reporting, macros and VBA) and PowerPoint/Slides • Strong written and verbal communication skills. • Demonstrated professionalism, discretion, and the ability to manage sensitive information confidentially. • Creative problem-solving abilities with a customer-first mindset. • Preferred experience in fintech or similarly fast-paced financial environments.

🏖️ Benefits

• equity • benefits