Financial Crimes and Compliance Analyst

• 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

• 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

• equity
• benefits