Fintech Compliance Analyst – BSA/AML & AI-Driven

Socket.dev; New York (NY); Hybrid; USD 60,000 - 75,000; Full time

Benefits offered by this job

Medical, dental, vision

PTO and holidays

401(k)

Parental leave

Equipment allowance

Education stipend

Free lunch Fridays

Job summary

Coast is seeking a Compliance Analyst to build and run our BSA/AML/OFAC program in a hands-on fintech role. You’ll investigate alerts, run reviews, and help shape processes from day one while exploring AI-powered tools to speed investigations and reporting.

The role offers ownership early on, with cross-functional partnering across Legal, Risk, and Product, and the opportunity to implement evolving regulatory guidance. In-office 3–4 days/week in NYC or Salt Lake City.

Qualifications

• 2+ years of experience in a BSA/AML/OFAC compliance role, ideally at a fintech or other closely regulated industry.
• AI-native mindset: you're already using AI tools in your daily work and you're excited to push further.
• Experience with transaction monitoring or alerts screening systems, and comfort writing SQL queries against large datasets.
• Strong analytical instincts comfortable pulling metrics, spotting trends, and translating data into operational decisions.
• Excellent written and verbal communication.
• Bias toward action and process-building you don't wait for someone to hand you a playbook.
• Comfortable in ambiguity you can build structure where none exists without losing momentum.
• Experience in fintech, payments, B2B SaaS, or financial services preferred.
• Based in Salt Lake City or New York City; able to be in-office 3–4 days per week.

Responsibilities

• Monitor and investigate suspicious activity
• Conduct account and transaction-level reviews to identify unusual patterns and escalations
• Review system-generated alerts and support the drafting of Unusual Activity Reports (UARs)
• Support the sanctions and AML program
• Apply OFAC screening and BSA/AML controls to daily case work and escalations
• Identify and label patterns of unusual activity, including reporting to financial partners
• Track developments in BSA, AML and OFAC enforcement and guidance, and flag implications for Coast's practices
• Track KRIs/KPIs that measure the health of the AML program
• Respond to audit, partner bank, and regulatory requests
• Use SQL and internal/external data sources to spot system vulnerabilities and compliance gaps
• Testing and oversight
• Conduct quality assurance testing of underwriting and credit decisioning processes, adverse action notices, and account practices for ECOA, SCRA, and FCRA adherence, collaborating with process owners to build corrective action plans where gaps are identified
• Other compliance support
• Support additional compliance initiatives and cross-functional projects as they arise, including emerging regulatory requirements and policy development
• Assist with ad hoc risk assessments and internal audits as needed
• Help build out processes and documentation for new or evolving compliance areas where none yet exist
• Respond to compliance-related questions from internal teams (product, engineering, sales, customer support) and elevate as appropriate
• Take on other compliance-related projects and duties to support important Company initiatives and priorities
• Partner across the business
• Work cross-functionally with Legal, Risk, and Product to keep policies and controls current
• Support senior Compliance team members on key initiatives and reporting to governance committees

Skills

BSA/AML/OFAC

AI tooling

SQL queries

Data analysis

Communication

Problem solving

Adaptability

Fintech domain

Tools

Transaction monitoring systems

Job description

Coast is seeking a Compliance Analyst to build and run our BSA/AML/OFAC program in a hands-on fintech role. You’ll investigate alerts, run reviews, and help shape processes from day one while exploring AI-powered tools to speed investigations and reporting.

The role offers ownership early on, with cross-functional partnering across Legal, Risk, and Product, and the opportunity to implement evolving regulatory guidance. In-office 3–4 days/week in NYC or Salt Lake City.