Analyst, AML​/CFT & OFAC Compliance, FIU, Fraud

Join to apply for the Analyst, AML/CFT & OFAC Compliance, FIU, Fraud role at Cross River
.

Cross River is a highly profitable, fast‑growing financial technology company powering the future of financial services. Our suite of embedded payments, cards, and lending products delivers financial services for millions of businesses and consumers worldwide. Backed by leading investors, we serve the world’s most essential fintech and technology companies, reshaping global finance and inclusion.

We are on a mission to build the infrastructure that propels access, inclusion, and the democratization of financial services. With tripled growth over the last three years, Cross River has been named to American Banker’s list of Best Places to Work in Fintech for six consecutive years. Our nimble and collaborative family culture lives in every member of our growing team.

The Compliance team ensures our business consistently follows regulations, and the Fraud Analyst plays an important role by understanding financial crimes, fraud prevention, and investigative best practices. You will manage potential loss investigations by working with customers, partners, and authorities to mitigate loss and support recovery.

• Review and assess alerts generated by the fraud transaction monitoring platform to identify potentially suspicious activities.
• Analyze transactional data, loan documentation, customer profiles, and behavioral patterns to determine which alerts/cases require escalation or closure.
• Conduct independent investigations into suspected illegal, fraudulent, or unusual activity involving financial accounts, customers, and associates.
• Consult with peer institutions, partners, and/or law enforcement agencies when required.
• Manage multiple alerts/cases/investigations simultaneously and provide formal reporting.
• Prepare case files documenting investigations with supporting evidence for all forensic findings.
• Prepare clear, comprehensive, and cohesive investigative reports and memoranda in a timely manner.
• Interface and build effective relationships with various levels of the organization, including senior management, legal counsel, and law enforcement as required.
• Provide guidance and assistance to fellow associates when needed.
• Assist department management by ensuring department activities are compliant and efficient.
• Provide relevant training and guidance to bank associates of all levels and job functions.

• Demonstrated prior fraud investigation experience and skills, including the ability to develop an investigation approach/strategy, obtain and analyze evidence, draw relevant conclusions, and recommend control enhancements.
• Experience in writing and filing Suspicious Activity Reports (SAR).
• Ability to interact, influence, negotiate, and challenge management when necessary.
• Demonstrated ability to work independently and complete cases/projects in a timely manner in a fast-paced, changing environment.
• Strong analytical, problem-solving, and decision‑making skills.

• 5 years of risk management/fraud experience within financial services, banking, fintech, or crypto; or a bachelor’s degree with 3 years of related banking experience.
• Working knowledge of research methodology for fraud and financial crime activities.
• Knowledge of fraud detection, prevention, authentication strategies and techniques.
• Ability to handle a variety of tasks simultaneously and prioritize accordingly.
• Ability to effectively communicate with stakeholders and across business units to resolve risk and fraud issues.
• Strong organizational and communication skills, ability to work independently.

• Professional certifications such as CAMS, CFCS, CFE, etc.

$80,000.00 - $90,000.00

Cross River is an Equal Opportunity Employer. Cross River does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non‑disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.

By submitting your application, you give Cross River permission to email, call, or text you using the contact details provided. We will only contact you with job‑related information.