Senior AML Analyst

Role Description

Our Risk & Compliance team is hiring a Senior AML Analyst who will improve the effectiveness, resilience, and scalability of our financial monitoring program. You will own Lithic's AML and financial crime monitoring program at the SOP and monitoring-engine level, and you will be the person who turns our agentic monitoring and investigation tooling into realized, defensible capacity. This is an ownership role, not purely a queue-based execution role: you’ll certainly handle escalations, exceptions, and perform population sampling, but the goal is routine, documented volume is increasingly absorbed by automation, and you own the design, tuning, and exception handling that sit around it.

• 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 your 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.

Qualifications

• 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).

Requirements

• 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

• 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.
• In-office employees receive:
  • Commuter benefit.
  • Catered lunch every Tuesday and Thursday.