SAM Analyst III

Unchain Data; Northern (KY); Hybrid; USD 86,000 - 101,000; Full time

Job summary

Coinbase seeks a TMS Compliance Analyst III within the CX Compliance team to conduct end-to-end monitoring investigations and ensure adherence to BSA/AML standards. You will analyze alerts, review transaction patterns, and draft SARs with independent judgment to determine escalation or filing.

The role requires 4+ years in financial services or fintech, experience with KYC/CDD processes, and familiarity with tools like Hummingbird or Chainalysis.

Qualifications

• 4+ years of experience in financial services, crypto, or fintech focused on transaction monitoring or BSA/AML.
• Experience drafting and filing SARs with regulatory-compliant narratives.
• Ability to interpret complex transaction patterns across products and decide escalations.
• Familiarity with transaction monitoring systems and KYC/CDD processes.
• Experience with compliance tools such as Hummingbird or Chainalysis.
• Responsible AI usage with human oversight.

Responsibilities

• Own end-to-end investigative review and analysis of automated transaction monitoring alerts.
• Analyze transaction activity and KYC information to determine legitimacy and escalation needs.
• Draft SAR narratives and maintain detailed investigation documentation.
• Incorporate feedback from QA and participate in calibration sessions to improve accuracy.
• Support process improvements in the TMS Compliance function and stay current with industry regulations.

Skills

Transaction monitoring

SAR drafting

KYC/CDD processes

Regulatory compliance

Financial crime investigations

AI governance

Tools

Hummingbird

Chainalysis

Job description

About Us

At Coinbase, we are uncompromising on our mission to increase economic freedom. The bar is high, the environment is intense, and we like it that way. This isn't a place for complacency, it's a place to be pushed past your perceived limits. If you're ready to build the future of finance alongside people who refuse to settle for "good enough," you belong here. Coinbase is a remote-first, but not remote-only company. Expect to get together quarterly for intense in-person working sessions called "surges."

The Role

As a TMS Compliance Analyst III on the CX Compliance team within Customer Experience, you'll conduct end-to-end transaction monitoring investigations to identify suspicious activity, protect Coinbase from financial crime risk, and ensure compliance with BSA/AML regulatory requirements. This team partners with the Financial Crime Risk Service (FCRS) line and cross-functional stakeholders to maintain the highest production and quality standards across global compliance operations. You'll investigate automated alerts, analyze complex transaction patterns, draft SAR narratives, and apply independent judgment to determine whether customer behavior warrants escalation or filing.

Responsibilities

• Own end-to-end investigative review and analysis of automated transaction monitoring alerts and referrals sourced from law enforcement requests and other Coinbase business lines, in support of BSA/AML regulatory compliance programs.
• Analyze transaction activity, KYC information, and evidence from external tools and systems to determine the legitimacy of customer behavior across multiple products, recommending whether activity warrants escalation or SAR filing.
• Draft clear, accurate SAR narratives and maintain detailed investigation documentation to demonstrate compliance with regulations, internal policies, and audit requirements.
• Incorporate feedback from the Quality Assurance team and participate in calibration sessions to continuously improve investigation accuracy and consistency.
• Support process improvements within the TMS Compliance function by identifying gaps in procedures, contributing to documentation standards, and staying current with developments in KYC, BSA/AML, and OFAC regulations.

Requirements

• 4+ years of experience in financial services, crypto, or fintech with a focus on transaction monitoring, BSA/AML compliance, or financial crime investigations.
• Proven experience drafting and filing Suspicious Activity Reports (SARs) with accurate, well-structured narratives that meet regulatory standards.
• Demonstrated ability to interpret complex transaction patterns across multiple products, apply regulatory requirements to case investigations, and make independent escalation decisions.
• Familiarity with transaction monitoring systems, KYC/CDD processes, and compliance tools (e.g., Hummingbird, Chainalysis, or similar).
• Utilizes generative AI responsibly, maintaining human oversight to deliver business-ready outputs and drive measurable improvements in workflow efficiency, cost, and quality.

Compensation

Annual base salary range: $85,850 – $101,000 USD

Total compensation may also include equity and bonus eligibility, and benefits (medical, dental, vision, 401(k)).