Senior Transaction Monitoring Analyst

Job not on LinkedIn

🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $100k - $125k / year

⏰ Full Time

🟠 Senior

🧐 Analyst

👻 Ghost score 11%

What it means: the chance that no one is really hiring for this job.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

Apply Now

Find Similar Remote Jobs

Astra

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2016

📦 Logistics

💳 Fintech

🔌 API

Logistics • Fintech • API

<Astra> Astra is a Payments Cloud platform that provides a vertically integrated, compliance-first solution for instant money movement across multiple payment rails (ACH, RTP, FedNow, Visa Direct, Mastercard Move). It centralizes processing plus KYC/AML, fraud screening, ledgering, reconciliation, disputes, and treasury behind a single API so businesses can launch payouts, instant funding, and accelerated bank transfers without building or maintaining a payments stack. Astra targets developer-led teams and platforms, enabling fast time-to-market, intelligent routing, and configurable payment workflows for B2B customers via one integration.

📋 Description

• Design, build, test, and maintain monitoring rules across ACH, RTP, FedNow, debit networks, and other payment rails • Develop risk-based scenarios for structuring, velocity anomalies, and rapid movement of funds • Translate financial crimes risks into monitoring logic and thresholds with Product and Engineering • Backtest and tune rules to improve detection and reduce false positives • Document rule rationale, configuration, testing results, and change history • Investigate potentially suspicious transactions and customer activity • Document findings and dispositions with investigative narratives and recommendations • Prepare and submit suspicious activity referrals to sponsor banks with the Head of Compliance • Respond to sponsor-bank information requests and support follow-up reviews • Track alert volumes, backlogs, and case aging • Feed investigation insights into rules, scenarios, and workflows • Query transaction data with SQL and evaluate monitoring performance • Analyze activity across customers, rails, and use cases to identify emerging risks and coverage gaps • Report on alert volumes, false-positive rates, rule performance, and investigation outcomes • Recommend changes to thresholds, scenarios, and segmentation • Work with Product and Engineering on monitoring capabilities, data availability, and case-management workflows • Partner with Compliance and Operations on complex investigations, emerging risks, and escalation procedures • Support sponsor-bank inquiries, audits, and examinations • Define monitoring requirements for new products and payment flows before launch • Improve internal compliance tooling through automation and operational feedback

🎯 Requirements

• 4+ years in BSA/AML, financial crimes compliance, or transaction monitoring within fintech, payments, or banking • Hands-on experience designing, implementing, and tuning monitoring rules • Track record of independently conducting complex investigations and escalating suspicious activity • Strong command of BSA/AML requirements, financial crimes typologies, and risk-based monitoring • Working knowledge of payment rails, particularly ACH, RTP, and debit networks • Experience managing alert queues while maintaining quality and timeliness • Comfortable working independently and cross-functionally in a fast-paced environment, with rigorous attention to detail and documentation • Bachelor's degree in finance, economics, computer science, criminal justice, or a related field preferred; exceptional relevant experience counts equally • CAMS, CFE, or equivalent certification preferred • Strong SQL skills for querying and analyzing large transaction datasets • Experience configuring, testing, and optimizing rules in platforms such as Unit21, Sardine, Actimize, or Verafin • Ability to translate detection requirements into rule logic — thresholds, velocity calculations, aggregation windows, and behavioral patterns • Experience using data to evaluate rule effectiveness and reduce false positives • Working knowledge of API-driven payment architecture and rails including ACH/NACHA, RTP, FedNow, and Visa Direct • Experience at a payments fintech, BaaS company, or processor operating under a sponsor-bank model preferred • Prior experience building or significantly improving a transaction monitoring program preferred • Exposure to embedded finance, payroll, lending, card disbursements, or real-time payments preferred • Python or similar tools for transaction analysis, rule testing, or automation preferred • Familiarity with model validation, rule governance, and sponsor-bank expectations preferred • Startup experience spanning technical implementation and day-to-day compliance operations preferred • Must be authorized to work in the United States; visa sponsorship requirements are addressed in the application

🏖️ Benefits

• Equity in a growing fintech company • Remote-first culture with flexible working arrangements • Professional growth opportunities in compliance and risk management • 100% company paid health insurance for employees • 401(k) with company matching • Wide range of benefits

📊 Check your resume score for this job

Improve your chances of getting an interview by checking your resume score before you apply.

Upload Resume