Senior AML Analyst

Job Overview

As a Senior AML Analyst, you will own and continuously improve transaction-monitoring processes while working closely with Analytics, Engineering, Product, and other Risk & Compliance stakeholders.

You will evaluate monitoring rules and scenarios, tune thresholds, investigate complex suspicious activity, prepare regulatory reports, review AI-assisted investigative output, and help ensure Lithic’s AML controls remain defensible with bank partners and regulators.

Key Responsibilities

• Own and maintain AML and financial crime transaction-monitoring standard operating procedures.
• Keep monitoring procedures aligned with regulatory requirements, emerging typologies, and operational realities.
• Partner with Analytics, Engineering, and Product teams to evaluate alert logic and monitoring effectiveness.
• Assess and tune transaction-monitoring rules, scenarios, and thresholds to reduce false positives while preserving appropriate coverage.
• Lead testing, deployment, and tuning of agentic transaction-monitoring and investigation solutions.
• Define and document the investigative context required for AI-assisted tooling to produce repeatable and examiner-ready output.
• Investigate complex suspicious activity independently.
• Prepare high-quality Suspicious Activity Reports and Unusual Activity Reports.
• Own escalations and cases requiring significant human judgment.
• Review and quality-check alert decisions and investigative output, including AI-assisted work.
• Ensure monitoring and investigation decisions can withstand scrutiny from bank partners and regulators.
• Analyze monitoring performance, operational trends, and emerging financial-crime risks.
• Help define and influence AML key performance indicators and key risk indicators.
• Lead preparation for governance and oversight forums.
• Support bank-partner reviews and regulatory examination readiness.
• Train and mentor analysts on investigations, money-laundering typologies, and agentic tooling.

Required Qualifications

• 36+ months of AML/BSA and transaction-monitoring experience within fintech, payments, or a bank-partnered environment.
• Experience owning AML programs or workstreams with limited guidance.
• Experience authoring and maintaining standard operating procedures.
• Experience preparing governance materials.
• Deep knowledge of money-laundering typologies and emerging financial-crime trends.
• Ability to independently investigate complex activity and prepare high-quality SARs and UARs.
• Hands-on experience evaluating alert logic and tuning transaction-monitoring rules and scenarios.
• Comfort working with AI-assisted or agentic compliance tooling.
• Ability to test, tune, document, and defend AI-assisted decisions to bank partners and regulators.
• Strong working knowledge of the U.S. BSA/AML regulatory framework.
• Understanding of the USA PATRIOT Act.
• Understanding of OFAC and sanctions requirements.
• Knowledge of SAR requirements.
• Strong written and verbal communication skills.
• Ability to work independently, create structure, and recognize when escalation or collaboration is required.

Preferred Qualifications

• CAMS or CFE certification, or willingness to obtain one.
• Experience implementing or tuning AI, automation, or agentic tools within compliance or investigative workflows.
• Experience using OSINT tools.
• Experience with SQL or Snowflake for investigative data retrieval.
• Experience within card issuing, payments, or fintech environments involving sponsor-bank relationships.
• Experience supporting higher-risk business categories such as money service businesses, crypto-adjacent businesses, or similar verticals.

Core Areas of Focus

• AML and BSA compliance.
• Transaction monitoring.
• Financial crime investigations.
• SAR and UAR preparation.
• Monitoring-rule effectiveness.
• Alert and threshold tuning.
• AI-assisted investigations.
• Agentic compliance automation.
• Governance and regulatory readiness.
• Payments and fintech risk.

Compensation

The annual base salary range for this position is $65,000–$110,000 USD.

Benefits

• Unlimited paid time off.
• 12 weeks of fully paid parental leave.
• Four-week fully paid sabbatical after five years of employment.
• Ability to work from anywhere in the world for four weeks each year.
• 3% cashback on card purchases through a complimentary Privacy.com employee account.
• Medical insurance.
• Vision insurance.
• Dental insurance.
• Health Savings Account contribution matching.
• 401(k) matching.
• Voluntary life insurance.
• Short-term and long-term disability coverage.

Work Arrangement

This is a remote position, but candidates must be located within the United States. Lithic does not offer visa sponsorship or immigration assistance for this role.

Employees based in New York City work from Lithic’s SoHo office three days per week. Tuesday and Thursday are core office days, with a third in-office day selected based on individual and team scheduling needs.