Bank Compliance Technology Analyst

Affirm; Baltimore (MD); On-site; USD 128,000 - 205,000; Full time

Benefits offered by this job

Health care coverage

Flexible Spending Wallets

Time off

ESPP

Job summary

Affirm is reinventing credit with a remote-first model, seeking a Bank Compliance Technology Analyst to advance BSA/AML programs and related controls. The role partners with Compliance, Operations, Product, Engineering, and Data to deliver reliable, scalable, and auditable solutions.

You will design, test, and optimize rules, workflows, and dashboards, while documenting changes and ensuring governance and risk controls across the technology stack.

Qualifications

• 5+ years experience supporting compliance technology, BSA/AML, or related function.

Responsibilities

• Support the technical design and operation of Affirm Bank’s BSA/AML and broader compliance programs.
• Build and maintain transaction-monitoring rules, customer risk-rating capabilities, EDD workflows, and other compliance controls.
• Configure and improve case-management systems, operational workflows, investigation tools, and escalation processes.
• Translate compliance requirements into clear system logic, technical requirements, and operational processes.
• Conduct testing of rules, workflows, system changes, and automated decisions before and after implementation.
• Monitor control performance, data quality, system reliability, and operational outcomes.
• Analyze alerts, cases, customer activity, and control results to identify gaps and recommend improvements.
• Develop dashboards and reporting for Bank Compliance leadership, governance committees, audits, examinations, and regulatory inquiries.
• Maintain documentation covering system logic, rule changes, testing, approvals, issues, and remediation.
• Support the implementation of automated and agent-enabled compliance workflows with appropriate oversight and escalation controls.
• Coordinate technical issues, enhancements, and roadmap priorities across Compliance, Operations, Product, Engineering, Data, and third-party vendors.
• Help ensure compliance technology adapts to new products, regulatory expectations, and changes to Affirm Bank’s risk profile.

Skills

Compliance knowledge

Analytical skills

Cross-functional collaboration

Documentation

Governance & testing

Tools

SQL

Python

Databricks

Snowflake

Job description

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.

The Bank Compliance Technology Analyst supports the technical operation and continued development of the Affirm Bank Compliance and BSA/AML programs.

This role translates regulatory, policy, and operational requirements into effective systems, rules, workflows, reporting, and automated controls.

The analyst will partner closely with Bank Compliance, Financial Crimes Operations, Product, Engineering, Data, and other stakeholders to ensure Affirm Bank’s compliance technology remains reliable, scalable, well-controlled, and audit-ready.

What You'll Do

• Support the technical design and operation of Affirm Bank’s BSA/AML and broader compliance programs.
• Build and maintain transaction-monitoring rules, customer risk-rating capabilities, EDD workflows, and other compliance controls.
• Configure and improve case-management systems, operational workflows, investigation tools, and escalation processes.
• Translate compliance requirements into clear system logic, technical requirements, and operational processes.
• Conduct testing of rules, workflows, system changes, and automated decisions before and after implementation.
• Monitor control performance, data quality, system reliability, and operational outcomes.
• Analyze alerts, cases, customer activity, and control results to identify gaps and recommend improvements.
• Develop dashboards and reporting for Bank Compliance leadership, governance committees, audits, examinations, and regulatory inquiries.
• Maintain documentation covering system logic, rule changes, testing, approvals, issues, and remediation.
• Support the implementation of automated and agent-enabled compliance workflows with appropriate oversight and escalation controls.
• Coordinate technical issues, enhancements, and roadmap priorities across Compliance, Operations, Product, Engineering, Data, and third-party vendors.
• Help ensure compliance technology adapts to new products, regulatory expectations, and changes to Affirm Bank’s risk profile.

What We Look For

• 5+ years experience supporting compliance technology, BSA/AML, financial crimes, banking operations, risk systems, or a related function.
• Understanding of transaction monitoring, customer risk rating, EDD, case management, and compliance-control frameworks.
• Ability to translate policy or regulatory requirements into practical technical and operational solutions.
• Strong analytical skills, including experience evaluating data, identifying trends, and investigating control-performance issues.
• Experience with workflow tools, case-management platforms, dashboards, data queries, or system configuration.
• Strong written communication and documentation skills.
• Ability to work effectively across Compliance, Operations, Product, Engineering, and Data teams.
• Strong attention to detail and an understanding of testing, change management, governance, and audit readiness.

Preferred Experience

• Experience supporting a regulated bank or bank-partnership environment.
• SQL, Python, Databricks, Snowflake experience
• Experience with transaction-monitoring rules, model tuning, system implementation, or control testing.
• Knowledge of BSA/AML regulations and related regulatory expectations.
• Experience supporting regulatory examinations, internal audits, model validation, or compliance testing.

Base Pay Grade - K

Equity Grade - 6

Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.

Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)

USA base pay range (CA, WA, NY, NJ, CT) per year: $145,000 - $205,000

USA base pay range (all other U.S. states) per year: $128,000 - $188,000

Please note that visa sponsorship is not available for this position.

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

Benefits

• Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents
• Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
• Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
• ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.