Financial Crimes Analyst II, Third Party Payments

9 мес. назад

USAMiddleRemote

bsaamlfraud detection

Analyze and manage financial crimes, focusing on third party payments compliance and fraud detection.

Обязанности

Independently manage ongoing program management activities for assigned third party partners.
Conduct partner onboarding risk reviews, periodic testing, enhanced due diligence, annual document refreshes, and risk assessments.
Review partner policies, procedures, AML/CFT documentation, audit materials, training records, and monitoring results.
Evaluate alerts, unusual activity referrals, sanctions screening reports, fraud metrics, AML metrics, CIP/KYC testing, and related partner data.
Conduct portfolio reviews to identify recurring issues, emerging risks, product trends, and control weaknesses.
Serve as a subject matter resource to partner compliance teams and internal stakeholders.
Prepare written findings, management summaries, testing results, and remediation recommendations.
Participate in and facilitate partner meetings and ongoing program management discussions.
Escalate significant deficiencies, unexplained activity, overdue remediation, or other matters requiring management attention.
Contribute to process improvements, training materials, and team knowledge sharing.
Perform other duties as assigned.

Требования

2-4 years of experience in banking BSA/AML, fintech compliance, payments risk, fraud investigations, partner oversight, or a related field.
Experience reviewing financial crime programs, policies, procedures, risk assessments, or testing results.
Working knowledge of BSA/AML, CIP/KYC, EDD, sanctions screening, transaction monitoring, and suspicious activity reporting concepts.
Strong analytical, organizational, and problem-solving skills.
Ability to communicate effectively with internal stakeholders and external fintech partners.
Ability to work autonomously while exercising sound judgment and escalating appropriately.
Experience with BaaS, embedded finance, payments, lending, cards, or digital asset products is preferred.
CAMS, CAFP, CFE, or another relevant certification is preferred.

Условия

At Lead, we design our benefits to support company culture and principles, to foster an efficient and inspiring work environment, and to create the conditions for our team to give their best in both work and life
Competitive compensation, including opportunities for equity grants and cash bonus, based on experience, geographic location, and role
Medical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRA
Paid parental leave
Flexible vacation policy, including PTO and paid holidays
A fun and challenging team environment in a dynamic industry with ample opportunities for career growth
*Lead Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
*Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
**Our compensation reflects the cost of labor across several US geographic markets. Pay is based on a number of factors and may vary depending on geographical market location, job-related knowledge, skills, and experience. These ranges may be modified in the future.
Zone 1: $89,000 - $105,000 (SF/Bay Area, NYC, Seattle)
Zone 2: $73,000 - $86,000 (Los Angeles, Chicago, Austin, Denver, Boston, Washington DC, San Diego, Philadelphia, Portland, Sacramento, Miami)
Zone 3: $71,000 - $83,000 (Other US Metros)

Другое

Lead is a banking infrastructure platform trusted by the most innovative companies to power complex financial products. We enable fintechs to offer compliant, programmable services like payments, lending, and digital assets at scale. Banking has moved beyond traditional institutions and is now embedded directly into everyday experiences, meaning companies need modern infrastructure that is safe, secure, and operationally sound.
Today, Lead is one of the only API-first, developer-focused partner banks with the financial, regulatory, and legal expertise required to help fintechs succeed. We operate offices in San Francisco, Sunnyvale, and New York City, and an FDIC-insured bank in Kansas City.
The Financial Crimes team safeguards Lead, its partners, and the broader financial system from illicit activity. They own Lead’s BSA/AML, sanctions, and fraud programs, collaborate with the Legal, Risk, and Compliance teams to detect threats and strengthen controls, and interface with regulators. Ensuring that all parties involved meet the highest standards of financial integrity is foundational to the company’s success. Their essential work is what enables Lead to say "yes" to the most innovative fintech partners. This is a collaborative, growth-mindset, and deadline-driven environment that requires the confidence to navigate constantly evolving challenges with autonomy and analytical precision.
The Financial Crimes Analyst II independently manages assigned monitoring and oversight activities for third party partners. This role performs partner testing, risk reviews, enhanced due diligence, and ongoing program management while serving as a knowledgeable point of contact for assigned partners.
The Analyst II is expected to recognize trends, identify control gaps, communicate findings clearly, and recommend appropriate escalation or remediation.