Flex - Financial Crimes Analyst
Requirements
• You're comfortable with ambiguity, you make sound calls with incomplete information, and you can work a high-volume queue without losing quality. • 1–3 years in BSA/AML compliance, transaction monitoring, fraud operations, or a related financial crimes role • Hands-on experience dispositioning transaction monitoring alerts in a platform such as Sardine, Unit21, Actimize, or similar, with a working knowledge of AML typologies • Exposure to fintech, payments, card programs, or BaaS program compliance • Experience tuning detection rules or working with data and SQL to investigate patterns • Working knowledge of KYC/CDD requirements and BSA obligations • Exposure to suspicious activity reporting, including drafting narratives or supporting UAR/SAR filings • Strong written communication: you can explain why something is or isn’t suspicious in plain language and summarize complex findings concisely • High attention to detail, plus the ability to manage a queue and prioritize well • A self-driven, growth mindset: you don’t wait to be handed the next problem, and when you see a clunky step or a noisy rule, you fix it and write down the better way • CAMS or another AML certification, completed or in progress
Responsibilities
• What you'll own • You'll be a core part of financial crime detection and investigation at Flex. • The queue and the backlog. Your first priority is working through our alert backlog and keeping the queue current, with an eye on both quality and speed, so real risk gets the scrutiny it deserves and good customers aren't slowed down by noise. • The investigation standard. Help set the bar for what a strong case narrative looks like here: clear, well supported, and defensible to a regulator or bank partner without a follow-up call. • Detection coverage. Flag the typologies, patterns, and blind spots you see across cases and bring them to Risk, Operations, and Engineering, so they can become better rules and fewer false positives. • The process. Document what works and flag what's clunky as you go. As the backlog comes under control, you'll have room to take on bigger improvements. • Your voice. As one of the first official Financial Crimes Analysts at Flex, you'll see where the process works and where it doesn't, and you'll have a real voice in how the team grows. • Detect and decide • Review and disposition transaction monitoring alerts, applying BSA/AML typologies to separate genuinely suspicious activity from false positives • Investigate unusual activity across accounts, payments, and cards, including patterns that point to money laundering, fraud, account takeover, and other illicit behavior • Escalate higher-risk cases to supervisory review with a clear recommendation, not just a pile of facts • Support UAR and SAR filings, working alongside senior team members and building toward owning filings end to end • Investigate and document • Write case narratives so clear and well supported that a reviewer, examiner, or bank partner can follow your reasoning without a call • Conduct enhanced due diligence on existing customers whose activity raises concerns, and refresh customer risk profiles when behavior no longer matches what we were told at onboarding • Pick up cases handed over by our KYC team when a flagged account needs a deeper activity review, and hand back what you learn so onboarding decisions get sharper • Keep accurate, complete records in our case management system • Build the program • Help flag the patterns and process gaps behind noisy alerts or missed risk, and help turn them into better detection rules and simpler procedures • Partner with Risk, Operations, Support, and Engineering to close open requests and, over time, tune monitoring • Support quality assurance and file reviews, including for our bank partner program • Stay current on evolving AML typologies and regulatory guidance, and bring what you learn back to the team • What you'll own • Detect and decide • Build the program
Benefits
• Build something generational — Capture the full lifecycle of money for ambitious business owners. • Work on real money, real risk — Payments, credit, and banking at serious scale. • Solve hard problems — AI, underwriting, compliance, and global finance from first principles. • True ownership — Small teams, high trust, real accountability. • Founder-level exposure — Direct access to leadership, customers, and investors. • High bar, high taste — Move fast without cutting corners. • Elite peers — People here are builders, not tourists. • Real upside — Meaningful equity if you help build something big.
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