Senior AML Analyst

Omaze; United States; Remote; USD 80,000 - 100,000; Full time

Benefits offered by this job

Unlimited PTO

12 weeks fully paid parental leave

4-Week Fully Paid Sabbatical

3% cashback on card purchases

Health, vision, and dental insurance

401(k) match

Catered lunch every Tuesday and Thursday

Job summary

Lithic is seeking a remote AML position for candidates based in the United States. You will own and enhance AML transaction monitoring procedures, investigate suspicious activities, and ensure compliance with regulatory frameworks.

The ideal candidate will have over 3 years of experience in the fintech space, strong knowledge of financial crimes, and be adept at working with AI tools. The position offers excellent benefits including unlimited PTO, health insurance, and more.

Qualifications

• 3+ years of AML/BSA and transaction monitoring experience in fintech or banking.
• Demonstrated ownership of AML programs with limited guidance.
• Deep knowledge of money laundering typologies.
• Hands-on experience evaluating transaction monitoring rules.

Responsibilities

• Own and improve AML transaction monitoring SOPs.
• Investigate suspicious activities and prepare SARs.
• Supervise alert review and investigative output.
• Train and mentor analysts on investigations.

Skills

AML/BSA experience

Ability to investigate financial crime

Strong communication skills

Knowledge of BSA/AML regulatory framework

Tools

AI-assisted tooling

SQL

OSINT tooling

Job description

This is a remote position. However, candidates must be located in the United States. We do not offer visa sponsorship or assistance.

What You’ll Do

• Own and continuously improve the AML and financial crime transaction monitoring SOPs, keeping them aligned to current regulatory requirements, evolving typologies, and operational reality
• Own the feedback loop into Lithic's monitoring engine: partner with Analytics, Engineering, and Product peers to evaluate alert logic, assess rule and scenario effectiveness, and tune thresholds to reduce false positives while preserving coverage
• Lead the testing, deployment, and tuning of agentic transaction monitoring and investigation solutions, including documenting the investigative context the tooling needs to produce repeatable, examiner‑ready output
• Investigate complex suspicious activity independently and prepare high‑quality SARs and UARs; own escalations and the judgment‑heavy cases automation cannot close unattended
• Supervise and quality‑check alert review and investigative output, including AI‑assisted output, so decisions hold up to bank partner and regulatory scrutiny
• Synthesize monitoring performance data, operational trends, and emerging financial crime risks into actionable program insights, and define and influence AML KPIs and KRIs
• Lead governance preparation for relevant oversight forums and support bank partner and exam‑readiness deliverables
• Train and mentor analysts on investigations, money laundering typologies, and the agentic tooling, so program knowledge scales beyond any one person

What You’ll Need

• 3+ years of AML/BSA and transaction monitoring experience in fintech, payments, or a bank‑partnered environment
• Demonstrated ownership of end‑to‑end AML programs or work streams with limited guidance, including authoring and maintaining SOPs and preparing governance materials
• Deep knowledge of money laundering typologies and emerging financial crime trends, with the ability to investigate complex activity and prepare high‑quality SARs and UARs independently
• Hands‑on experience evaluating alert logic and assessing or tuning transaction monitoring rules and scenarios for effectiveness
• Comfort working with AI‑assisted or agentic tooling, including how to test, tune, document, and defend AI‑assisted decisions to bank partners and regulators
• Self‑starter who can create structure where none exists and knows when to escalate and collaborate
• Strong written and verbal communication
• Solid grasp of the BSA/AML regulatory framework (USA PATRIOT Act, OFAC and sanctions, SAR requirements)

Nice to Have

• CAMS or CFE (preferred, or willing to obtain)
• Experience deploying or tuning AI, automation, or agentic tooling in a compliance or investigations context
• Experience with OSINT tooling and SQL or Snowflake for investigative data retrieval
• Card issuing, payments, or fintech experience with exposure to sponsor bank relationships
• Background in high‑risk verticals (MRBs, crypto‑adjacent businesses, or similar)

Benefits for Full‑Time US Employees:

• Unlimited PTO
• 12‑weeks fully paid parental leave
• 4‑Week Fully Paid Sabbatical (earned at your 5‑year anniversary)
• Work From Anywhere: work from anywhere in the world 4‑weeks each year
• 3% cashback on card purchases with your complimentary Privacy.com employee account
• Health, vision, and dental insurance; HSA Contribution Match
• 401(k) match
• Voluntary Life Insurance and STD/LTD

NYC‑based employees work from our SoHo office three days a week. Tuesdays and Thursdays are our core days, and you'll choose a third day that works for your schedule and team needs.

Catered lunch every Tuesday and Thursday.

As set forth in Lithic’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law.