Senior AML Analyst

Responsibilities

Transaction Monitoring & Investigations

• Own daily alert triage across all supported stablecoin networks.
• Monitor for risk patterns: structuring across payout batches, round-dollar anomalies, just-below-threshold transfers, unusual geographic velocity.
• Analyze volume-based triggers against expected activity profiles - flag sudden spikes, dormant account reactivation, velocity rule exceptions.
• Conduct behavioral analysis by vertical, comparing customers against peer group patterns.
• Execute full investigation lifecycle: alert review, customer file review, on-chain and fiat transaction analysis, EDD when triggered, documentation, escalation or closure.

Suspicious Activity Reporting

• Draft UARs for CCO review with transaction timelines, on-chain tx hashes, wallet addresses, counterparty info, corridor context.
• Support SAR preparation as MTLs obtained and direct FinCEN filing required.

Ongoing Customer Due Diligence

• Execute risk-tiered CDD refreshes (annual/semi-annual/quarterly by risk level).
• Compare actual transaction volumes against onboarding expectations, flag deviations (e.g., >$2.5M/month high-risk threshold, geographic shifts, undisclosed pivots).
• Support quarterly portfolio risk analysis.

Compliance Operations & Program Building

• Contribute to monitoring rule design and threshold calibration.
• Support KYB onboarding reviews, independent testing prep, SOP development.

Requirements

Required

• 3–5 years AML/BSA experience in transaction monitoring, investigations, SAR/UAR writing at fintech, payments, MSB, or bank.
• Working knowledge of BSA/AML regs, FinCEN guidance (incl. virtual currency), OFAC sanctions, FATF recommendations.
• Hands-on experience with TMS alert triage, case management, SLA-driven investigation queues.
• Strong pattern recognition across fiat/digital asset data with clear written narratives.
• Understanding of cross-border payment flow AML risks.
• Comfortable building processes in early-stage environment.

Preferred

• CAMS, CFCS, or equivalent certification.
• Blockchain analytics platform experience (CipherOwl, Chainalysis, Elliptic, TRM Labs).
• Familiarity with stablecoin settlement mechanics and compliance risks.
• Experience at company navigating MTL licensing or sponsor bank relationships.
• Prior work with Middesk, Sanctions.io, Socure RiskOS.
• Exposure to US-LATAM, US-Africa, US-Europe, US-Southeast Asia corridors.
• Understanding of GENIUS Act and US stablecoin regs.