Compliance Analyst

Socket.dev; Salt Lake City (UT); On-site; USD 70,000 - 110,000; Full time

Job summary

Coast in Salt Lake City is seeking a Compliance Analyst to help build and run a BSA/AML/OFAC program for a fast-moving fintech. You’ll investigate alerts, spot patterns, and influence how compliance evolves from day one.

This role offers ownership early in your career: define processes and explore AI-powered tools to enhance investigations, reporting, and governance across Legal, Risk, and Product teams.

Qualifications

• 2+ years in a BSA/AML/OFAC compliance role in fintech or regulated industry.
• AI-native mindset and use of AI tools in daily work.
• Experience with transaction monitoring or alerts screening systems and SQL.
• Strong analytical skills and ability to translate data into insights.

Responsibilities

• Monitor and investigate suspicious activity and alerts.
• Review accounts and transactions to identify unusual patterns.
• Draft Unusual Activity Reports (UARs) and support sanctions/AML program.
• Apply OFAC screening and BSA/AML controls to day-to-day case work.
• Track KPIs/KRIs and report findings to governance and partners.
• Collaborate across Legal, Risk, and Product to keep policies current.
• Assist with audits and regulatory requests and develop processes.

Skills

BSA/AML/OFAC

SQL queries

Transaction monitoring

AI tools

Data analysis

Tools

SQL

Monitoring systems

Job description

What is Coast

Coast is re-imagining the trillion-dollar U.S. B2B card payments infrastructure, with a focus on the country’s 500,000 commercial fleets, 40 million commercial vehicles, and many millions of commercial drivers. The incumbent technologies that cater to these customers are decades old, and businesses with fleets increasingly demand modern digital experiences and transparent financial services products. Coast's mission is to deliver this at a transformational scale, beginning with the Coast Fleet and Fuel Card built on a cutting-edge spend management platform.

About the Role

We're hiring a Compliance Analyst to help build and run our BSA/AML/OFAC program. This is a hands-on role for someone who wants to work close to the transaction data investigating alerts, spotting patterns, and turning findings into action while helping shape how a compliance program gets built from the ground up at a fast-moving fintech. You'll work directly with senior compliance leadership, giving you visibility and influence well beyond a typical analyst seat.

This role is a strong fit for someone who wants ownership early in their career: you'll help define the processes, not just follow them, and you'll have room to bring AI-powered tools into how the work gets done from day one.

What You’ll Do

• Monitor and investigate suspicious activity
• Conduct account and transaction-level reviews to identify unusual patterns and escape suspicious activity.
• Review system-generated alerts and support the drafting of Unusual Activity Reports (UARs).
• Support the sanctions and AML program
• Apply OFAC screening and BSA/AML controls to daily case work and escalations.
• Identify and label patterns of unusual activity, including reporting to financial partners.
• Track developments in BSA, AML and OFAC enforcement and guidance, and flag implications for Coast's practices.
• Track KRIs/KPIs that measure the health of the AML program.
• Respond to audit, partner bank, and regulatory requests.
• Use SQL and internal/external data sources to spot system vulnerabilities and compliance gaps.
• Testing and oversight
• Conduct quality assurance testing of underwriting and credit decisioning processes, adverse action notices, and account practices for ECOA, SCRA, and FCRA adherence, collaborating with process owners to build corrective action plans where gaps are identified.
• Other compliance support
• Support additional compliance initiatives and cross-functional projects as they arise, including emerging regulatory requirements and policy development.
• Assist with ad hoc risk assessments and internal audits as needed.
• Help build out processes and documentation for new or evolving compliance areas where none yet exist.
• Respond to compliance-related questions from internal teams (product, engineering, sales, customer support) and escalated as appropriate.
• Take on other compliance-related projects and duties to support important Company initiatives and priorities.
• Partner across the business
• Work cross-functionally with Legal, Risk, and Product to keep policies and controls current.
• Support senior Compliance team members on key initiatives and reporting to governance committees.

What Success Looks Like

In your first year, you'll be successful if you:

• Independently manage a caseload of BSA/AML/OFAC alerts and investigations, from initial review through UAR filing.
• Become the go-to point of contact for day-to-day BSA/AML/OFAC compliance operations.
• Identify and help close at least one meaningful gap in monitoring coverage or process.
• Build a trusted, responsive working relationship with our partner bank and stakeholders.
• Bring AI tools into your workflow in a way that measurably speeds up investigations or reporting.
• Contribute analysis or reporting that shapes a real decision made by compliance leadership.
• Demonstrate you can flex into adjacent compliance work as needed, not just your core caseload.

Requirements

• 2+ years of experience in a BSA/AML/OFAC compliance role, ideally at a fintech or other closely regulated industry.
• AI-native mindset: you're already using AI tools in your daily work and you're excited to push further.
• Experience with transaction monitoring or alerts screening systems, and comfort writing SQL queries against large datasets.
• Strong analytical instincts comfortable pulling metrics, spotting trends, and translating data into