KYC/KYB Compliance Analyst — Fast-Paced Onboarding

Rain; New York (NY); Hybrid; USD 90,000 - 130,000; Full time

Benefits offered by this job

Unlimited time off

Home office stipend

Health, dental & vision plans

401(k) match

Equity plan

Rain Cards

Wellness benefits

Team summits

Job summary

Rain is seeking a hands-on Compliance Analyst focused on KYC and KYB onboarding operations. You will review applications, make risk decisions, and work with partners to move onboarding forward while maintaining compliance quality.

The role blends compliance with operational execution, requiring end-to-end ownership and strong judgment in complex cases. You will contribute to policy improvements and stay current on FinCEN advisories and FATF typologies.

Qualifications

• 3+ years in a compliance, KYC, AML investigations or onboarding role at a fintech/payments/crypto company.
• Experience reviewing KYB applications for business entities including beneficial ownership analysis.
• Experience with OFAC, PEP, and adverse media screening tools and documenting reasoning.
• End-to-end AML investigations and SAR-quality case documentation.

Responsibilities

• Review and disposition monitoring alerts and KYC/KYB onboarding applications end to end.
• Conduct enhanced due diligence on high‑risk applicants including source of funds/wealth assessment and ownership chain documentation.
• Draft SAR narratives that meet FinCEN quality standards.
• Send RFIs and follow through to receipt and documentation of responses.
• Support periodic KYC refresh reviews as part of ongoing due diligence program.
• Contribute to onboarding and investigation policy development and identify gaps.

Skills

KYC/AML

Regulatory compliance

SAR preparation

Document verification

Written communication

Multi-tasking

Tools

OFAC tools

Adverse media tools

Transaction monitoring platforms

Blockchain analytics tools

Job description

Rain is seeking a hands-on Compliance Analyst focused on KYC and KYB onboarding operations. You will review applications, make risk decisions, and work with partners to move onboarding forward while maintaining compliance quality.

The role blends compliance with operational execution, requiring end-to-end ownership and strong judgment in complex cases. You will contribute to policy improvements and stay current on FinCEN advisories and FATF typologies.