Financial Crimes Analyst II

Lead Bank; United States; Remote; USD 60,000 - 95,000; Full time

Job summary

An innovative fintech company is seeking a Financial Crimes Analyst II to join their dynamic team. In this role, you will be at the forefront of investigating suspicious activities, ensuring compliance, and collaborating with fintech partners. With a focus on transparency and operational rigor, you will leverage your analytical skills to address complex challenges in the banking sector. This role offers competitive compensation, a supportive work culture, and ample opportunities for growth in a fast-paced environment. If you are passionate about financial compliance and eager to make a significant impact, this is the perfect opportunity for you.

Benefits

Medical, Dental, Vision Insurance

401k Matching

Paid Parental Leave

Flexible Vacation Policy

Wellness Benefits

Dynamic Team Environment

Qualifications

• 3-5 years of BSA experience in banking or fintech.
• Strong analytical mindset to handle complex transactions.
• Ability to work in a deadline-driven environment.

Responsibilities

• Conduct investigations into suspicious activities.
• Perform onboarding risk reviews for high-risk clients.
• File SARs with thorough documentation.

Skills

BSA Compliance

Analytical Skills

Communication Skills

Problem Solving

Education

Bachelor's Degree

CBAP Certification

CAFP Certification

CAMS Certification

Tools

Unit21

Verafin

BSA Software

Job description

Lead is a fintech building banking infrastructure for embedded financial products and services. We operate an FDIC-insured bank headquartered in Kansas City, Missouri. Additionally, we have offices in San Francisco, Sunnyvale, and New York City, where our technical, product, design, and legal teams operate.

We are built for a constantly evolving financial landscape, where new ventures and technological advancements emerge daily. Guided by a team of entrepreneurs and technologists with decades of experience navigating intricate banking and payments regulations, Lead blends regulatory and technological expertise to help our fintech partners scale their operations with compliance and creativity.

Simply put, Lead offers the essential attributes that every fintech seeks in a partner bank. First, unparalleled technical expertise from a distinguished team of developers with an extensive understanding of the banking and payments systems. Second, oversight expertise, automated compliance systems, and bespoke program management to navigate the ever-shifting regulatory landscape. Finally, a commitment to transparency and operational rigor to ensure everyone’s money does what it’s supposed to do.

Role Description: The Financial Crimes Analyst II will be responsible for conducting investigations into suspicious activity of our core banking clients and Fintech partnerships. You will partner with bank staff to research and review possible suspicious activity reported by bank staff including fraud, money laundering, and structuring of cash.

In this role you will:

• Research and review possible suspicious activity reported by bank staff.
• Conduct investigations into suspicious activity of Fintech partnership clients
• Be a front facing subject matter expert to the Bank’s fintech partners regarding trends.
• Perform onboarding risk reviews of both high risk clients and fintech partnerships.
• Perform ongoing EDD reviews for fintech partnerships
• Complete and file SARs (suspicious activity reports) to ensure that they are properly documented with related narrative and thorough case documentation, including but not limited to, customer statements, due diligence documents, and transaction images
• Use the Bank’s BSA software to monitor suspicious activity including money laundering, structuring, and potential fraud
• Provide support and BSA subject matter expertise to bank staff members helping them understand BSA requirements as they relate to their job function.
• Perform other duties as assigned

Qualifications:

• Have at least 3-5 years of banking BSA experience with another financial institution or with another fintech.
• Preferred CBAP, CAFP, or CAMs certifications
• Preferred experience with Unit21, Verafin, or other technology focused AML software.
• You are a self starter who is able to be a part of a deadline driven department
• Bring an analytical mindset with the ability to process, solve, and answer most complex client transactions, problems, and inquiries due to fraudulent activity.
• Bring strong communication skills to work with all Lead Bank departments.
• Are curious, have humility, are open to learning and approach your work with a growth mindset
• Thrive working in a fluid environment with high autonomy
• Love to collaborate to get to the best, most efficient outcome
• Embody the growth mindset and bring a self-driven and self-starter mentality to your work

What we offer:

• At Lead, we design our benefits to support company culture andprinciples, to foster an efficient and inspiring work environment, and to create the conditions for our team to give their best in both work and life
• Competitive compensation based on experience, geographic location, and role
• Medical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRA
• Paid parental leave
• Flexible vacation policy, including PTO and paid holidays
• A fun and challenging team environment in a dynamic industry with ample opportunities for career growth

*Lead Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

*Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

*Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

*Pursuant to the Los Angeles County Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

**Our compensation reflects the cost of labor across several US geographic markets. Pay is based on a number of factors and may vary depending on geographical market location, job-related knowledge, skills, and experience. These ranges may be modified in the future.

Zone 1: $80,000 - $95,000 (SF/Bay Area, NYC, Seattle)

Zone 2: $70,000 - $82,000(Los Angeles, Chicago, Austin, Denver, Boston, Washington DC, San Diego, Philadelphia, Portland, Sacramento)

Zone 3: $60,000 - $75,000 (Other US Metros)

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