Financial Crimes & Risk Data Analyst

About the Company

Rain makes the next generation of payments possible across the globe. We’re a lean and mighty team of passionate builders and veteran founders. Our infrastructure makes stable coins usable in the real-world by powering card transactions, cross-border payments, B2B purchases, remittances, and more. We partner with fintechs, neobanks, and institutions to help them launch solutions that are global, inclusive, and efficient. You will have the opportunity to deliver massive impact at a hypergrowth company that is funded by some of the top investors in fintech, crypto, and SaaS, including Sapphire Ventures, Norwest, Galaxy Ventures, Lightspeed, Khosla, and several more.

If you’re curious, bold, and excited to help shape a borderless financial future, we’d love to talk.

We believe in an open and flat structure. You will be able to grow into the role that most aligns with your goals. Our team members at all levels have the freedom to explore ideas and impact the roadmap and vision of our company.

This role sits within Rain’s Financial Crimes Risk Management (FCRM) function and supports the data, technology, analytical, and reporting needs of the Financial Intelligence Unit (FIU).

The position plays a critical role in strengthening transaction monitoring, investigative analytics, and risk segmentation frameworks that underpin Rain’s financial crimes program. Reporting to the Director of Compliance Data & Analytics, this individual will work closely with FIU Investigations and Compliance leadership to enhance the effectiveness, scalability, and regulatory defensibility of monitoring controls across the organization.

• Assist with tuning and optimizing transaction monitoring rules across card, ACH, wire, digital, asset activity

• Analyze alert, case, and transaction data to identify false positives, coverage gaps, and opportunities to improve detection quality

• Assist with managing and optimizing financial crime vendor configurations, including thresholds, matching logic, rulesets, risk settings, and workflows

• Support testing, backtesting, regression testing, and audits to ensure monitoring and screening controls operate as intended

• Translate investigative findings, emerging typologies, and regulatory requirements into scalable monitoring logic and technical controls

• Assist with developing internal compliance tools, workflows, dashboards, and automations that improve FIU and Compliance operations

• Partner with Investigations, Compliance, Engineering, and vendors to implement, validate, document, and continuously improve financial crime controls

• 4–7+ years of experience in financial crimes analytics, compliance technology, fraud/risk analytics, or related roles within fintech, banking, payments, or digital assets

• Advanced SQL and strong Python skills, with experience analyzing large transaction datasets, automating workflows, and building reusable compliance tooling

• Hands‑on experience tuning transaction monitoring rules, including thresholds, lookback periods, segmentation, exclusions, and behavioral indicators

• Experience managing and optimizing financial crime vendor settings, including screening thresholds, matching logic, risk parameters, rulesets, and workflows

• Experience testing and auditing transaction monitoring, KYC/KYB, sanctions, or screening controls through backtesting, regression testing, QA, and control effectiveness reviews

• Ability to evaluate monitoring performance using alert volumes, false‑positive rates, escalation outcomes, precision/recall, and detection coverage

• Strong understanding of AML/BSA, transaction monitoring, sanctions, KYC/KYB, and the ability to independently translate risk requirements into…