Financial Crimes & Compliance Analyst

Financial Crimes & Compliance Analyst

Company
:
Earn In

Earn In is one of the first pioneers of earned wage access. Our mission is to provide real-time financial flexibility for those living paycheck to paycheck. We allow users to access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.

We have an experienced leadership team backed by world‑class investors such as A16Z, Matrix Partners, DST, Ribbit Capital, and a healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world‑class talent onboard to shape the next chapter of our growth journey.

Earn In is seeking a highly analytical, detail‑oriented Financial Crimes and Compliance Analyst to join its Enterprise Risk Management team. The analyst will support and enhance Earn In’s Anti‑Money Laundering (AML), economic sanctions, and overall compliance program. The analyst will identify improvement opportunities across AML and sanctions, collaborate with business lines to strengthen controls, provide actionable risk insights, and maintain a strong compliance culture that protects the company and its customers.

This remote position offers a unique opportunity to make a meaningful impact in a dynamic, fast‑paced environment. The US base salary range is $80,000 – $90,000 + equity + benefits.

• Review, analyze, and disposition AML alerts according to internal procedures and regulatory expectations.
• Monitor customer transactions and behavioral patterns to detect risks related to money laundering, terrorist financing, fraud, and sanctions violations.
• Conduct detailed investigations into suspicious activity and document findings with SAR recommendations where warranted.
• Review OFAC sanctions and PEP alerts, including escalation and resolution of potential matches.
• Conduct annual BSA/AML/Sanctions risk assessments to evaluate exposure and improve controls.
• Collaborate with 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.
• Test, develop, and tune transaction monitoring rules for existing products and services.
• Maintain a strong understanding of regulatory requirements (BSA/AML, OFAC, USA PATRIOT Act, Reg Z, UDAAP, etc.) and their applicability to Earn In’s products and services.
• Support regulatory reporting, audits, or examinations.
• Manage and execute projects efficiently within specified time frames, working across multiple business lines.
• Provide cross‑functional support for regulatory issues management and the overall compliance program.

• 3+ years of experience in AML investigations, financial crimes compliance, or risk management within fintech, banking, or financial services.
• Bachelor’s degree or equivalent professional experience.
• ACAMS designation or similar certification strongly preferred.
• 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, macros, VBA) and PowerPoint/Slides.
• Strong written and verbal communication skills.
• Professionalism, discretion, and the ability to manage sensitive information confidentially.
• Creative problem‑solving with a customer‑first mindset.
• Preferred experience in fintech or similarly fast‑paced financial environments.

Mid‑Senior level

Full‑time

Legal

Technology, Information and Internet

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We believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. We celebrate our diversity and…