Lithic - Senior AML Analyst
Requirements
• 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) • 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)
Responsibilities
• 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 your 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
Benefits
• This is a remote position. However, candidates must be located in the United States. We do not offer visa sponsorship or assistance. • 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 • Voluntary Life Insurance and STD/LTD • NYC-based employees work from our SoHo office three days a week. Tuesdays and Thursdays are our core days, and you'll choose a third day that works for your schedule and team needs. • In-office employees receive: • Commuter benefit • Catered lunch every Tuesday and Thursday
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