Regulatory Compliance Analyst

You will review escalated client and customer onboarding cases for compliance with US regulatory requirements, including AML, BSA, sanctions, KYC, and KYB obligations. You will investigate Level 2 transaction-monitoring and screening alerts, support suspicious activity reporting, and identify control or process improvements. You will advise internal stakeholders on complex cases, consumer complaints, risk assessments, and regulatory requirements. You will also support audits, regulatory examinations, policy updates, training, quality assurance, reporting, licensing matters, and compliance initiatives across the Americas.

Responsibilities

• Review and assess escalated onboarding cases for compliance with US regulatory requirements.
• Guide Level 1 teams on complex KYC, KYB, beneficial ownership, and enhanced due diligence matters.
• Partner with stakeholders to resolve high-risk or complex onboarding scenarios.
• Identify onboarding control gaps, process inefficiencies, and enhancement opportunities.
• Review and disposition Level 2 transaction-monitoring and screening alerts and escalations.
• Investigate potentially suspicious activity through customer behavior, transaction, and documentation analysis.
• Support preparation of Suspicious Activity Reports.
• Identify trends, root causes, systemic issues, and control improvements.
• Act as a subject matter resource for Level 1 teams and internal stakeholders.
• Participate in case review forums and escalation committees.
• Provide input on risk assessments, customer risk-rating methodology, and escalation frameworks.
• Review and challenge responses to consumer complaints.
• Advise on credit reporting, disputes, bankruptcy, fair lending, and UDAAP requirements.
• Analyze customer complaints and recommend product, service, and process improvements.
• Support regulatory exams, audits, internal reviews, compliance testing, policy updates, training, quality assurance, and reporting.
• Support licensing, regulatory expansion, risk-management initiatives, and cross-jurisdictional compliance across the Americas.

Requirements

• Bachelor’s degree or equivalent experience.
• 4–6 years of experience in regulatory compliance, AML, BSA, financial crimes, enterprise risk, operational risk, or audit within a fintech, payments company, regulated financial institution, or regulatory agency.
• Experience with US AML regulations, transaction monitoring, screening, KYC, and KYB processes.
• Understanding of AML risk typologies, escalation criteria, payment flows, money transmission, banking partnerships, and financial-services regulations.
• Experience reviewing and decisioning escalated or high-risk cases.
• Analytical, investigative, documentation, data, communication, project-management, critical-thinking, and time-management skills.
• CAMS or similar compliance or anti-money-laundering certification preferred.
• Experience supporting US Money Transmitter License environments preferred.
• Exposure to multi-jurisdictional compliance frameworks in the Americas preferred.
• Experience developing, maintaining, or enhancing a compliance program within a financial institution preferred.
• Exposure to licensing processes, regulatory expansion, and RegTech or technology-driven compliance solutions preferred.

Benefits

• Performance bonuses
• Equity for specific roles
• Medical coverage
• 24/7 employee assistance program
• Generous vacation programs
• Year-end shutdown
• Flexible hybrid working environment
• Role-specific training
• Internal workshops
• Learning stipend
• Company-wide social events
• Team bonding activities
• Happy hours
• Team offsites