Compliance Analyst New York, NY • Full-time • $75-115K

raincards.xyz; New York (NY); On-site; USD 75,000 - 115,000; Full time

Benefits offered by this job

Unlimited time off

Flexible working

Health coverage

401k match

Job summary

Rain is the global stablecoin payments platform seeking a hands-on Compliance Analyst in New York focused on KYC and KYB onboarding operations. You will review applications, make risk-based decisions, and work directly with partners and customers to move onboarding forward without sacrificing compliance quality.

This do-er role requires end-to-end ownership and strong judgment in complex cases. Join Rain to shape a borderless financial future at a hypergrowth fintech with a clear path for growth

Qualifications

• Minimum 3 years in compliance, KYC, AML investigations, or onboarding in fintech, payments, or crypto.
• Experience reviewing KYB applications, beneficial ownership analysis, and document verification.
• Experience with OFAC, PEP, and adverse media screening; able to document reasoning.
• Experience conducting end-to-end AML investigations and SAR-quality case documentation.
• Knowledge of BSA/AML program requirements and FinCEN SAR filing rules.
• Experience with transaction monitoring platforms and blockchain analytics tools.

Responsibilities

• Review and disposition transaction monitoring alerts and KYC/KYB onboarding applications end to end.
• Conduct enhanced due diligence on high-risk applicants, including funds and wealth sources.
• Make SAR recommendations with clear, regulator-defensible reasoning.
• Draft SAR narratives that meet FinCEN quality standards.
• Send RFIs to customers or partners and follow through to resolution of the alert or application.
• Support periodic KYC refresh reviews for existing customers.
• Contribute to onboarding and investigation policy development.

Skills

AML investigations

KYC onboarding

FinTech

Payments

Crypto

CAMS certification

Tools

Transaction monitoring

Blockchain analytics

Job description

Compliance Analyst

New York, NY • Full-time • $75-115K

About the Company

Rain is the global stablecoin payments platform for enterprises, neobanks, platforms, developers, and AI agents. Our technology allows partners to move, store, and use stablecoins instantly and compliantly through global payment cards, rewards, on/offramps, wallets, and cross-border rails. As both a Visa and Mastercard Principal Member, Rain issues cards that work at more than 175 million merchant locations in over 220 countries and territories. Built natively for stablecoins and trusted by more than 100 organizations worldwide, Rain delivers secure, scalable infrastructure that makes money move freely and instantly around the world.

You will have the opportunity to deliver massive impact at a hypergrowth company backed by some of the top investors in fintech, crypto, and SaaS. In January 2026, we closed a $250M Series C led by ICONIQ, valuing Rain at $1.95B, with Sapphire Ventures, Dragonfly, Bessemer Venture Partners, Galaxy Ventures, FirstMark, Lightspeed, Norwest, and Endeavor Catalyst also participating. If you’re curious, bold, and excited to help shape a borderless financial future, we’d love to talk.

Our Ethos

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.

About the Role

We are looking for a hands‑on Compliance Analyst to join our Compliance team with a primary focus on KYC and KYB onboarding operations. This is a do‑er role - you will be in the queue every day reviewing applications, making risk decisions, and working directly with partners and customers to move onboarding forward without sacrificing compliance quality. You will be expected to own your work end to end, exercise sound judgment on complex cases, and contribute to building and improving the processes that support our onboarding program.

This role sits at the intersection of compliance and operations. You are not here to advise - you are here to execute, and to do it well.

What You Will Do

• Review and disposition transaction monitoring alerts and KYC/KYB onboarding applications end to end - including customer profile review, document verification, beneficial ownership analysis, sanctions and PEP screening, adverse media assessment, and transactional activity analysis
• Conduct enhanced due diligence on High Risk applicants - including source of funds and source of wealth assessment, business model review, and full beneficial ownership chain documentation
• Make well‑reasoned SAR recommendations - clearly articulating why activity is or is not suspicious and documenting your analysis in a manner that is complete and defensible to a regulator
• Draft SAR narratives that meet FinCEN quality standards
• Send RFIs to customers or partners where additional information is needed to resolve an alert or application and follow through to receipt and documentation of the response
• Support periodic KYC refresh reviews on existing customers as part of the Company’s ongoing due diligence program
• Contribute to onboarding and investigation policy development - if you see a gap, flag it and propose a solution
• Stay current on FinCEN advisories, FATF typologies, and emerging financial crime trends relevant to Rain’s product set - including stablecoin, virtual asset, and agentic payment typologies

What You Bring

• Minimum 3 years of experience in a compliance, KYC, AML Investigations or onboarding role at a FinTech, payments company, or crypto company
• Demonstrated experience reviewing KYB applications for business entities including beneficial ownership analysis, entity structure review, and corporate document verification
• Experience with OFAC, PEP, and adverse media screening tools - comfortable making independent screening determinations and documenting your reasoning
• Demonstrated experience conducting end‑to‑end AML investigations and preparing SAR-quality case documentation
• Working knowledge of BSA/AML program requirements and FinCEN SAR filing rules
• Experience with transaction monitoring platforms
• Familiarity with blockchain analytics tools and on‑chain transaction analysis
• Strong written communication skills
• Comfort working in a fast‑paced, high‑volume environment where you manage multiple applications simultaneously without losing attention to detail
• A do‑er mentality - you are self‑directed, take ownership of your queue, and do not wait to be told what to do next
• CAMS certification or progress toward certification is a plus

What Success Looks Like

• Applications are reviewed thoroughly, dispositioned accurately, and documented completely - every time
• Your SLA compliance rate is consistently above 95%
• Escalations are well‑supported - when you elevate, the reviewer has everything they need to make a decision without coming back to you for more information
• You are identifying process gaps and bringing solutions, not just flagging problems

Things that enable a fulfilling, healthy and happy experience at Rain:

• Unlimited time off Unlimited vacation can be daunting, so we require Rainmakers to take 10 days minimum for themselves.
• Flexible working We support a flexible workplace – work from home, come into an office, or both. We want everyone to work in an environment where they’re their most confident and productive selves. New Rainmakers receive a stipend to set up a comfortable home workspace.
• Easy to access benefits For US Rainmakers, we cover 95% of your health, dental, and vision plan costs and 90% for your dependents, plus a 100% company‑subsidized life insurance plan.
• Retirement goals Plan for the future with confidence. We offer a 401(k) with a 4% company match.
• Equity plan Every Rainmaker gets an equity option plan so we all benefit from our success.
• Health and Wellness High performance begins from within. Rainmakers receive a monthly stipend to be used for eligible health and wellness spending like gym memberships/fitness classes, massages, acupuncture - whatever recharges you!
• In‑office meals Rainmakers working from the office enjoy lunch and dinner on us, covered with a DoorDash credit.
• Team summits Summits play an important role at Rain. Time together helps us build relationships and a common destiny. Expect team and company offsites, both domestic and international.