Financial Crimes Risk Senior Data Analyst/Data Scientist

Unchain Data; Washington, Northern (District of Columbia, KY); Hybrid; USD 165,000 - 180,000; Full time

Benefits offered by this job

Unlimited vacation

Remote work stipend

Health benefits

401(k) with match

Equity options

Rain Cards

Wellness spending

Team summits

Job summary

Rain is seeking an experienced Financial Crimes Risk professional to strengthen transaction monitoring, analytics, and screening controls within the FIU. You will tune rules, analyze data, and collaborate with Investigations, Compliance, and Engineering to scale defenses and regulatory defensibility.

The role emphasizes testing, backtesting, and vendor management, with opportunities to develop internal tools and dashboards across card, ACH, wire, and digital asset activity.

Qualifications

• 4–7+ years in financial crimes analytics or related roles within fintech, banking, payments, or digital assets.
• Advanced SQL and Python 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.

Responsibilities

• Tune and optimize 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

Skills

SQL

Python

Transaction monitoring tuning

AML/KYC knowledge

Data analysis

Vendor management

Backtesting

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

Requirements

• 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

Nice to Have

• 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

Benefits

• Unlimited time off: Unlimited vacation with a required minimum of 10 days per year
• Flexible working: Work from home or in our office, with a home office stipend for new team members
• Comprehensive health benefits: Health, dental, and vision plans for you and your dependents, plus 100% company subsidized life insurance (US‑based)
• Retirement plan: 401(k) with a 4% company match
• Equity plan: Equity options for all team members to benefit from company success
• Rain Cards: Cards for team members to test and learn about core products and services
• Health and wellness: Card eligible for gym memberships, fitness classes, massages, acupuncture, and other wellness spending
• Team summits: Regular team and company offsites, both domestically and internationally

Compensation

$165,000 - $180,000