Financial Crimes & Compliance Analyst

Position Summary

EarnIn is seeking a highly analytical and detail-oriented Financial Crimes and Compliance Analyst to join its Enterprise Risk Management team. The desired candidate will have experience in financial crimes, risk management, and regulatory compliance. The Analyst will support and contribute to the continuous enhancement of EarnIn’s Anti-Money Laundering (AML), economic sanctions, and overall Compliance program. The Analyst will assist with identifying opportunities for improvement across AML and Sanctions and overall compliance, working collaboratively with applicable business lines to enhance compliance controls. The Analyst will provide actionable insights to mitigate risk, and helps maintain a strong compliance culture that protects both the company and its customers.

In this role, you will apply a data-driven approach to assess and improve business processes, compliance controls, make sound decisions, and risk management strategies across our product suite. This is a remote position that offers a unique opportunity to make a meaningful impact in a dynamic, fast-paced environment. The US base salary range for this position is $80,000 - $90,000 + equity + benefits. Our salary ranges are determined by role, level, and location.

What You'll Do

• 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.

What We're Looking For:

• 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.