Senior AML Analyst

What You’ll Do

• 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 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.

What You'll Need

• 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).

Nice to Have

• CAMS or CFE (preferred, or willing to obtain).
• Experience deploying or tuning AI, automation, or agentic tooling in a compliance or investigations context.
• Experience with OSINT tooling and SQL or Snowflake for investigative data retrieval.
• Card issuing, payments, or fintech experience with exposure to sponsor bank relationships.
• Background in high-risk verticals (MRBs, crypto-adjacent businesses, or similar).

Base Salary: $65,000 - $110,000

Benefits for Full-Time US Employees:

• 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