Financial Crimes Risk Senior Data Analyst/Data Scientist

Rain; Washington (District of Columbia); Remote; USD 140,000 - 210,000; Full time

Benefits offered by this job

Unlimited time off

Flexible working

Health and Wellness

401(k) with match

Equity plan

Job summary

Rain is seeking a senior Financial Crimes Analytics professional to strengthen transaction monitoring and investigative analytics within the FIU. You will partner with Compliance, Engineering, and Investigations to improve detection, scalability, and regulatory defensibility of controls.

In this role you will tune rules, analyze data, and develop tools and dashboards to support FIU operations. Remote-friendly US-based candidates with 4–7+ years of fintech crime analytics are encouraged to apply.

Qualifications

• 4–7+ years in financial crimes analytics, compliance tech, or related roles within fintech or payments.
• Advanced SQL and Python; able to analyze large transaction datasets and automate workflows.
• Experience tuning monitoring rules, thresholds, and risk settings with scalable controls.
• Familiarity with AML/BSA, KYC/KYB processes and related regulatory requirements.

Responsibilities

• Tune and optimize transaction monitoring rules across card, ACH, wire, and digital activity.
• Analyze alerts and transactions to reduce false positives and improve coverage.
• Manage vendor configurations, thresholds, matching logic, and workflow settings.
• Support testing, backtesting, audits to ensure monitoring controls operate as intended.
• Translate findings into scalable monitoring logic and technical controls.
• Develop internal tools, dashboards, and automations for FIU and Compliance.
• Collaborate with Investigations, Compliance, Engineering, and vendors to improve controls.

Skills

SQL

Python

Monitoring rules tuning

Data analysis

Tools

Chainalysis

TRM Labs

Elliptic

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 with tuning and optimizing transaction monitoring rules across card, ACH, wire, digital, asset activity

• Analyze alert, case, and transaction data to identify false positives, coverage gaps, and opportunities to improve detection quality

• Assist with managing and optimizing financial crime vendor configurations, including thresholds, matching logic, rulesets, risk settings, and workflows

• Support testing, backtesting, regression testing, and audits to ensure monitoring and screening controls operate as intended

• Translate investigative findings, emerging typologies, and regulatory requirements into scalable monitoring logic and technical controls

• Assist with developing internal compliance tools, workflows, dashboards, and automations that improve FIU and Compliance operations

• Partner with Investigations, Compliance, Engineering, and vendors to implement, validate, document, and continuously improve financial crime controls

You are likely to succeed if you have:

• 4–7+ years of experience in financial crimes analytics, compliance technology, fraud/risk analytics, or related roles within fintech, banking, payments, or digital assets

• Advanced SQL and strong Python skills, with experience analyzing large transaction datasets, automating workflows, and building reusable compliance tooling

• Hands‑on experience tuning transaction monitoring rules, including thresholds, lookback periods, segmentation, exclusions, and behavioral indicators

• Experience managing and optimizing financial crime vendor settings, including screening thresholds, matching logic, risk parameters, rulesets, and workflows

• Experience testing and auditing transaction monitoring, KYC/KYB, sanctions, or screening controls through backtesting, regression testing, QA, and control effectiveness reviews

• Ability to evaluate monitoring performance using alert volumes, false‑positive rates, escalation outcomes, precision/recall, and detection coverage

• Strong understanding of AML/BSA, transaction monitoring, sanctions, KYC/KYB, and the ability to independently translate risk requirements into scalable technical controls

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

Bonus attributes:

• Experience developing or deploying machine learning models for fraud, AML, transaction monitoring, anomaly detection, or customer risk

• Experience with graph analytics, network analysis, entity resolution, or behavioral modeling across transaction and customer datasets

• Experience building production‑grade Python services, analytical pipelines, or detection frameworks beyond notebook‑based analysis

• Familiarity with feature engineering, model evaluation, threshold optimization, precision/recall analysis, and model monitoring

• Experience working with large‑scale data platforms and distributed processing frameworks such as BigQuery, Snowflake, Spark, or similar

• On‑chain analytics, blockchain tracing, wallet clustering, or combining digital asset and traditional payments data for financial crime detection

•  * Experience translating investigative findings or emerging typologies into scalable detection logic, models, or automated controls

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.