Senior AML Analyst

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🔥 11 minutes ago

🗽 New York – Remote

🗽 New York – Remote

💵 $65k - $110k / year

⏰ Full Time

🟠 Senior

🚨 AML and Financial Crime

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Lithic

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 2018

💸 Finance

💳 Fintech

🔌 API

Finance • Fintech • API

Lithic is a comprehensive platform that powers card payments and money movement for businesses worldwide. They provide direct network integrations with Visa and Mastercard, enabling companies to issue both prepaid and credit virtual cards, as well as physical cards, and manage these through a flexible API. Lithic offers a range of services including card processing, risk management, digital banking, and revenue management. Their platform supports seamless API integration for developers, facilitating fast and efficient card issuance, transaction monitoring, and fraud detection. Lithic also offers robust dispute management and settlement solutions, ensuring efficient financial operations for clients.

📋 Description

• Own and continuously improve the AML and financial crime transaction monitoring SOPs, keeping them aligned to current regulatory requirements, evolving typologies, and operational reality • Own the feedback loop into Lithic's monitoring engine: partner with your Analytics, Engineering, and Product peers to evaluate alert logic, assess rule and scenario effectiveness, and tune thresholds to reduce false positives while preserving coverage • Lead the testing, deployment, and tuning of agentic transaction monitoring and investigation solutions, including documenting the investigative context the tooling needs to produce repeatable, examiner-ready output • Investigate complex suspicious activity independently and prepare high-quality SARs and UARs; own escalations and the judgment-heavy cases automation cannot close unattended • Supervise and quality-check alert review and investigative output, including AI-assisted output, so decisions hold up to bank partner and regulatory scrutiny • Synthesize monitoring performance data, operational trends, and emerging financial crime risks into actionable program insights, and define and influence AML KPIs and KRIs • Lead governance preparation for relevant oversight forums and support bank partner and exam-readiness deliverables • Train and mentor analysts on investigations, money laundering typologies, and the agentic tooling, so program knowledge scales beyond any one person

🎯 Requirements

• 3+ years of AML/BSA and transaction monitoring experience in fintech, payments, or a bank-partnered environment • Demonstrated ownership of end-to-end AML programs or work streams with limited guidance, including authoring and maintaining SOPs and preparing governance materials • Deep knowledge of money laundering typologies and emerging financial crime trends, with the ability to investigate complex activity and prepare high-quality SARs and UARs independently • Hands-on experience evaluating alert logic and assessing or tuning transaction monitoring rules and scenarios for effectiveness • Comfort working with AI-assisted or agentic tooling, including how to test, tune, document, and defend AI-assisted decisions to bank partners and regulators • Self-starter who can create structure where none exists and knows when to escalate and collaborate • Strong written and verbal communication • Solid grasp of the BSA/AML regulatory framework (USA PATRIOT Act, OFAC and sanctions, SAR requirements)

🏖️ Benefits

• Unlimited PTO • 12-weeks fully paid parental leave • 4-Week Fully Paid Sabbatical (earned at your 5-year anniversary) • Work From Anywhere: work from anywhere in the world 4-weeks each year • 3% cashback on card purchases with your complimentary Privacy.com employee account • Health, vision, and dental insurance; HSA Contribution Match • 401(k) match • Voluntary Life Insurance and STD/LTD