EarnIn · 6 days ago
Financial Crimes & Compliance Analyst
United States
Full-time
Remote
Mid Level
$80K/yr - $90K/yr
3+ years expEarnIn is a pioneer in earned wage access, focused on providing financial flexibility to those living paycheck to paycheck. The Financial Crimes and Compliance Analyst will support the enhancement of EarnIn’s compliance program, focusing on AML and sanctions, while collaborating with various business lines to strengthen compliance controls.
Employee BenefitsFinancial ServicesFinTechMobile Payments
Responsibilities
Review, analyze, and disposition AML alerts in accordance with internal procedures and regulatory expectations
Monitor customer transactions and behavioral patterns to identify risks related to money laundering, terrorist financing, fraud, and sanctions violations
Conduct detailed investigations into potentially suspicious activity and document findings in clear, accurate, complete, audit-ready case files, including SAR recommendations when warranted
Review OFAC sanctions and PEP alerts, including escalation and resolution of potential matches
Conduct annual BSA/AML/Sanctions risk assessment to assess risk exposure and improve controls
Collaborate with cross-functional partners—including Fraud Operations, Risk, Product, and Engineering—to strengthen compliance controls and support scalable growth
Assist in developing and refining policies, procedures, and playbooks for the Financial Crimes and Compliance Program
Assist in the testing, development and tune of transaction monitoring rules for existing products and services
Maintain a strong understanding of regulatory requirements (e.g., BSA/AML, OFAC, USA PATRIOT Act, Reg Z, UDAAP, etc.) and their applicability to EarnIn’s products and services
Support regulatory reporting, audits, or examinations
Manage and execute projects efficiently within specified timeframes, working across multiple business lines
Provide cross-functional support across regulatory issues management and the overall compliance program
Qualification
Required
3+ years of experience in AML investigations, Financial Crimes compliance, compliance, or risk management within fintech, banking, or financial services
Bachelor's degree or equivalent professional experience
Demonstrated knowledge and application of financial crimes laws and regulations (BSA/USA PATRIOT Act/AMLA/FinCEN regs/OFAC regs)
Strong analytical, organizational, and critical thinking skills, with the ability to multitask and adapt in a rapidly changing environment
Strong investigative skills, including familiarity with public record research and database tools
Proficiency in Excel/Sheets (VLOOKUP, INDEX MATCH, advanced conditional formatting, pivot tables and reporting, macros and VBA) and PowerPoint/Slides
Strong written and verbal communication skills
Demonstrated professionalism, discretion, and the ability to manage sensitive information confidentially
Creative problem-solving abilities with a customer-first mindset
Preferred
ACAMS designation or similar certification strongly preferred
Preferred experience in fintech or similarly fast-paced financial environments
Benefits
Equity
Benefits
Company
EarnIn
EarnIn is an earnings management company that provides access to earned wages and financial wellness tools.
201-500 employees
Funding
Current Stage
Growth StageTotal Funding
$415.1MKey Investors
Cross River BankMitsubishi UFJ Financial GroupAndreessen Horowitz
2025-09-10Debt Financing· $150M
2025-09-02Debt Financing· $75M
2018-12-20Series C· $125M
Leadership Team
Ram Palaniappan
CEO & Founder
Ofer Shaked
CTO
Recent News
2025-11-01
Payments Dive
2025-10-28
Company data provided by crunchbase