Financial Crimes & Risk Data Analyst

Rain; United States; Remote; USD 110,000 - 180,000; Full time

Benefits offered by this job

Unlimited time off

Flexible working

Health plans (US)

401(k) with match

Equity option

Rain Cards

Wellness programs

Job summary

Rain is seeking a risk analytics professional within its Financial Crimes Risk Management team. You will enhance transaction monitoring, investigate risk patterns, and translate regulatory requirements into scalable monitoring logic.

The role emphasizes data-driven decisions, rule optimization, and collaboration with FIU leadership. Ideal candidates have 2–4+ years in fintech risk analytics, strong SQL, and experience with Chainalysis, TRM Labs, or Elliptic.

Qualifications

• 2–4+ years of experience in risk analytics, financial crimes analytics, compliance data, fraud analytics, or related fields (fintech, banking, or payments preferred)
• Hands-on experience with blockchain intelligence tools (Chainalysis, TRM Labs, Elliptic)
• Strong SQL skills (complex joins, aggregations, window functions, large datasets)
• Experience analyzing transaction-level data and building or optimizing rule-based monitoring logic
• Familiarity with AML/BSA concepts and transaction monitoring frameworks
• Ability to translate regulatory requirements into structured, data-driven logic
• Strong analytical thinking and ability to independently structure open-ended problems

Responsibilities

• Assist in continuously improving transaction monitoring rules across card, ACH, wire, and digital asset activity
• Conduct deep-dive investigations into emerging risk patterns and convert findings into scalable, production-ready monitoring logic
• Analyze alert and case data to evaluate rule performance and recommend data-driven optimizations
• Partner with Compliance Investigations to identify typologies and ensure monitoring logic reflects real-world risk signals
• Support the design and refinement of onboarding and KYC/KYB risk segmentation frameworks
• Build and maintain dashboards and recurring reporting that provide visibility into rule effectiveness, operational efficiency, and overall risk exposure
• Perform ad hoc risk analyses across customer cohorts, geographies, products, and transaction behaviors to identify outliers or control gaps

Skills

SQL

Blockchain analytics

AML/BSA knowledge

Data-driven problem solving

Analytical thinking

Independent problem structuring

Tools

Chainalysis

TRM Labs

Elliptic

Python

Job description

About the Company

Rain makes the next generation of payments possible across the globe. We’re a lean and mighty team of passionate builders and veteran founders. Our infrastructure makes stablecoins usable in the real-world by powering card transactions, cross-border payments, B2B purchases, remittances, and more. We partner with fintechs, neobanks, and institutions to help them launch solutions that are global, inclusive, and efficient. You will have the opportunity to deliver massive impact at a hypergrowth company that is funded by some of the top investors in fintech, crypto, and SaaS, including Sapphire Ventures, Norwest, Galaxy Ventures, Lightspeed, Khosla, and several more. 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 Team

This role sits within Rain’s Financial Crimes Risk Management (FCRM) function and supports the data, technology, analytical, and reporting needs of the Financial Intelligence Unit (FIU).

The position plays a critical role in strengthening transaction monitoring, investigative analytics, and risk segmentation frameworks that underpin Rain’s financial crimes program. Reporting to the Director of Compliance Data & Analytics, this individual will work closely with FIU Investigations and Compliance leadership to enhance the effectiveness, scalability, and regulatory defensibility of monitoring controls across the organization.

What you’ll do

• Assist in continuously improving transaction monitoring rules across card, ACH, wire, and digital asset activity to increase detection quality and reduce false positives

• Conduct deep-dive investigations into emerging risk patterns and convert findings into scalable, production-ready monitoring logic

• Analyze alert and case data to evaluate rule performance (e.g., false positive rates, alert-to-case conversion, escalation outcomes) and recommend data-driven optimizations

• Partner with Compliance Investigations to identify typologies and ensure monitoring logic reflects real-world risk signals and regulatory expectations

• Support the design and refinement of onboarding and KYC/KYB risk segmentation frameworks

• Build and maintain dashboards and recurring reporting that provide visibility into rule effectiveness, operational efficiency, and overall risk exposure

• Perform ad hoc risk analyses across customer cohorts, geographies, products, and transaction behaviors to identify outliers or control gaps

You are likely to succeed if you have:

• 2–4+ years of experience in risk analytics, financial crimes analytics, compliance data, fraud analytics, or related fields (fintech, banking, or payments preferred)

• Hands-on experience with blockchain intelligence tools such as Chainalysis, TRM Labs, Elliptic, or similar platforms

• Strong SQL skills (ability to write complex joins, aggregations, window functions, and performance‑optimized queries on large datasets)

• Experience analyzing transaction‑level data and building or optimizing rule‑based monitoring logic

• Familiarity with AML/BSA concepts and transaction monitoring frameworks

• Ability to translate ambiguous regulatory requirements into structured, data‑driven logic

• Strong analytical thinking and ability to independently structure open‑ended problems

Bonus attributes:

• Python experience (pandas, Polars, or similar) for deeper analysis and automation

• Familiarity with KYC/KYB vendors (e.g., Sumsub, Alloy, Persona, etc.)

• Experience designing Retool workflows, internal tools, or compliance dashboards

• Exposure to card network data, ACH flows, wire transactions, or digital asset monitoring

• Experience supporting regulatory exams or external audits

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, if you feel comfortable at home please work from home. If you’d like to work with others in an office feel free to come in. We want everyone to be able to work in the environment in which they are their most confident and productive selves. New Rainmakers will have a stipend to create a comfortable atmosphere at home.

Easy to access benefits For US Rainmakers, we offer comprehensive health, dental and vision plans for you and your dependents, as well as 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 We offer every Rainmakers an equity option plan so we can all can benefit from our success.

Rain Cards We want Rainmakers to be knowledgeable about our core products and services. To support this mission, we issue a card for our team to utilize the card for testing.

Health and Wellness High performance begins from within. Rainmakers are welcome to use their card for eligible health and wellness spending like gym memberships/fitness classes, massages, acupuncture - whatever recharges you!

Team summits Summits play an important role at Rain! Time spent together helps us get to know each other, strengthen our relationships, and build a common destiny. Expect team and company offsites both domestically and internationally.