Senior Compliance Analyst

Pockyt; New York (NY); On-site; USD 120,000 - 170,000; Full time

Benefits offered by this job

Employer-paid health insurance

401(k) match

Unlimited PTO

Job summary

Pockyt, based in New York, is implementing an AI-native compliance function to accelerate onboarding, EDD, and sanctions workflows. You will own the casework regulators and banking partners see, partnering with product, engineering, and ops to automate decision paths.

The Senior Compliance Analyst role emphasizes scalability, regulator-ready documentation, and a clear path to leadership as the compliance function expands globally.

Qualifications

• 4+ years in BSA/AML, compliance, or risk at fintech, MSB, bank, or payments company.
• Hands-on experience with EDD, KYC/KYB, sanctions screening, and SAR drafting.
• Strong judgment under ambiguity with principled decision making.
• AI fluency and comfort with automation and policy synthesis.

Responsibilities

• Be a thought partner to ops and engineering on workflows; flag friction and scope fixes.
• Support merchant risk classification, UBO verification, document collection, and risk trigger logic.
• Own end-to-end case lifecycle: L1 triage, onboarding decisions, EDD reviews, SARs, RFIs, periodic reviews.
• Review onboarding applications, verify UBOs, assess document completeness, and classify risk.
• Adjudicate transaction monitoring alerts; document false positives and feed improvements.

Tools

ThetaRay

Hummingbird

Unit21

Pockyt portal

Claude AI

Job description

Pockyt is building the AI-native infrastructure for global money movement. We give merchants a single platform to accept payments from anywhere, send money globally, and manage funds through Global Virtual Accounts and stablecoins — but our ambition runs deeper than the rails themselves. We're architecting the connective tissue that lets capital move across borders the way information moves across the internet: instantly, intelligently, and autonomously.

We serve a wide spectrum of merchants, from sophisticated enterprise platforms running complex multi-currency operations to the next generation of AI-powered startups, including the one-person unicorns we believe are about to reshape the global economy. Today, that means one integration, one account view, and one place to track everything. Tomorrow, it means a financial layer that AI agents can natively transact on — where money flows are orchestrated, optimized, and reconciled without human bottlenecks.

Our mission is to make global commerce frictionless. We're not building another payments platform. We're building the operating system for how value moves in an agentic, borderless economy.

The Role

We're hiring a Senior Compliance Analyst to be a force multiplier inside our compliance function. You'll own the case work the regulators and banking partners actually see —onboarding, EDD reviews, sanctions exceptions, SAR drafting, RFI loops, periodic merchant reviews — and you'll be the analyst who turns each repeated motion into a sharper, better-instrumented version of itself. Compliance at Pockyt isn't a queue with a backlog; it's a function we're actively re-architecting with our Product Engineering team so decisions get sharper and wait times collapse.

You’ll report directly to our Chief Compliance Officer, work daily with our financial-ops, onboarding, and applied AI engineering counterparts, and have a direct line to engineering on automating the workflows you live inside. This is a great fit for a senior analyst who's tired of being the bottleneck on every case and wants to compound their judgment by turning it into product.

What You’ll Do

• Be a thought partner to ops and engineering on the workflows you live inside —flag the friction, scope the fix, validate the AI-assisted version once it shipsPartner with onboarding and risk on merchant risk classification, UBO verification, document collection, and trigger logic for high-risk categories and corridors
• Support the AML/transaction-monitoring stack (currently transitioning to new tool) — adjudicate alerts, refine rules, document false-positive patterns, and feed insights back to the rule builder
• Own the full case lifecycle end-to-end: L1 alert triage, onboarding decisions, EDD reviews, sanctions exceptions, SAR drafting and filing, RFI handling, and periodic merchant reviews — from first touch to final disposition
• Work the onboarding queue: review merchant applications, verify UBOs, assess document completeness, apply risk classification logic, and make approve/escalate/decline calls on high-risk categories and corridor.
• Adjudicate transaction monitoring alerts — clear, elevate, or document false positives; track patterns; and feed rule-refinement inputs back to whoever owns the TM stack

What We’re Looking For

• 4+ years in BSA/AML, compliance, or risk at a fintech, MSB, bank, or payments company — with a clear track record of owning cases, not just reviewing colleagues’ work
• Hands‑on EDD, KYC/KYB, sanctions screening, and SAR‑drafting experience across complex multi‑entity or cross‑border merchants
• Strong judgment under ambiguity — when the playbook doesn’t cover it, you can reason from first principles, make the call, and document the rationale so it holds up to a regulator
• AI fluency — you reach for Claude (or similar) daily for case work, narrative drafting, and policy synthesis; you have a point of view on what to automate and what to keep human‑in‑the‑loop
• Excellent written communication — your SARs, RFIs, and case memos read clearly to a regulator and a non‑compliance executive on the same day
• Genuine curiosity about cross‑border payments, stablecoins, virtual accounts, and how the operational reality differs from the policy doc
• Comfort with rapidly evolving processes and willingness to rewrite a workflow you wrote three weeks ago

Bonus Points

• CAMS, CFE, or comparable compliance certification
• Hands‑on experience with transaction monitoring platforms (ThetaRay, Hummingbird, Unit21, or similar) and rule tuning
• Prior exposure to cross‑border payments, stablecoin/crypto compliance, MSB licensing, or LATAM/APAC corridorsTrack record of partnering with engineering to ship compliance automation (RFI triage, document parsing, alert adjudication, case routing)
• Experience supporting regulator exams or banking partner audits as a primary point of contact

Why Pockyt

• Build the compliance function for the company that’s building the financial layer agents will transact on — your judgment becomes the substrate for the agents that scale it
• Direct work with the CCO and exec team from day one; visible influence on policy, tooling, and the shape of the function as it grows
• A CLEAR PATH INTO A SENIOR COMPLIANCE LEADERSHIP TRACK (COMPLIANCE MANAGER, HEAD OF FINANCIAL CRIMES, BSA OFFICER) AS THE TEAM AND PRODUCT SURFACE AREA EXPAND
• Competitive compensation, employer-paid health insurance, 401(k) match and unlimited PTOQuarterly bonus pay‑outs of up to 20% your base salary

How You’ll Work

• Rhythm: Triage → investigate → decide → document → feed back to product/eng; weekly case reviews with the team and CCO; monthly thematic review of repeated motions to be automated
• Collaboration: Daily with onboarding, financial‑ops, and product engineering; weekly with the CCO and exec stakeholders; quarterly with banking partners and external counsel
• Quality bar: Every case rationale is regulator‑defensible cold; every repeated motion is a candidate for the engineering team to automate; every playbook can be run by the next hire without a sit‑down

Success looks like:

measurable reduction in case turnaround time, audit‑ready documentation that holds up under scrutiny, fewer banking‑partner and regulator RFIs because root causes get addressed at the workflow level, and the analysts hired behind you onboarding on playbooks you authored.

llustrative Work Examples

• EDD on a complex multi‑entity merchant where ownership runs through three jurisdictions — synthesizing UBO, source‑of‑funds, and adverse media into a defensible memo and risk rating
• Sanctions alert with ambiguous match data — adjudicating the call, documenting rationale, and partnering with engineering to refine the screening rule so the same false‑positive doesn’t recur
• SAR narrative on a structuring pattern across a merchant’s payouts — paired with a recommendation to the engineering team for a detection rule and to ops for an escalation playbook
• Standing up a periodic review cadence for high‑risk merchants — defining trigger logic, evidence checklist, and SLA, then watching the engineering team automate the trigger half Authoring a sanctions exception handling playbook that an analyst hired three months later can run on their own

Tools You’ll Work In

• Transaction monitoring: ThetaRay (in transition), with rule tuning and false‑positive analysis
• KYC/KYB & onboarding: Pockyt portal application flow, document collection, UBO verification workflowsCase management & evidence: internal case tooling co‑built with engineering; SharePoint for evidence packages
• AI: Claude as daily force multiplier for narrative drafting, document parsing, and policy synthesisComms & coordination: Slack, Confluence, Jira (for engineering handoffs)