Compliance Analyst

Athena Bitcoin

Athena Bitcoin (OTC: ABIT) is the second largest Bitcoin ATM operator in the world and a publicly traded leader in cryptocurrency financial services. We run 3,600+ kiosks across 22 licensed jurisdictions in the United States, Puerto Rico, and El Salvador, expanding access to digital assets through secure, compliant, and intuitive technology.

Position Summary

Athena Bitcoin is seeking a highly motivated BSA/AML Compliance Analyst to support the Company’s Anti-Money Laundering (AML), Bank Secrecy Act (BSA), sanctions compliance, fraud prevention, and cryptocurrency transaction monitoring programs. The Analyst will play a critical role in protecting the Company from financial crime risks by conducting investigations, monitoring customer activity, analyzing blockchain transactions, and supporting compliance with FinCEN regulations, state Money Transmitter License (MTL) requirements, OFAC sanctions programs, and other applicable regulatory obligations.

The ideal candidate combines traditional financial crime compliance experience with knowledge of digital assets, blockchain analytics, cryptocurrency investigations, and fraud detection.

Required Qualifications

• Bachelor’s degree in Business, Finance, Criminal Justice, Accounting, Legal Studies, Compliance, or a related field, or equivalent practical experience.
• 2-5 years of BSA/AML compliance, fraud investigations, financial crimes, regulatory examination, or related experience at a financial institution, fintech, money services business (MSB), cryptocurrency company, or regulated payment provider.
• Strong understanding of:
• Bank Secrecy Act (BSA)
• USA PATRIOT Act
• Anti-Money Laundering (AML) regulations
• Customer Identification Program (CIP)
• Customer Due Diligence (CDD)
• Enhanced Due Diligence (EDD)
• Suspicious Activity Reporting (SAR)
• Currency Transaction Report (CTR)
• OFAC sanctions requirements
• FinCEN guidance related to virtual currency businesses
•  Knowledge of cryptocurrency ecosystems, blockchain technology, and digital asset transaction flows.
• Excellent analytical, investigative, documentation, and report-writing skills.
• Strong attention to detail and ability to manage multiple investigations simultaneously.
• Advanced proficiency in Microsoft Excel and Microsoft Office Suite.
• Excellent verbal and written communication skills.

Preferred Qualifications

• CPAML, CAMS, ACFCS, CFCS, CFE, or equivalent financial crime certification.
• Experience with cryptocurrency compliance programs.
• Experience supporting regulatory examinations and audits.
• Familiarity with state Money Transmitter License (MTL) requirements.
• Experience working with Bitcoin ATM, cryptocurrency exchange, fintech, payment processing, or digital asset businesses.

Blockchain Analytics Experience

Preferred experience with one or more blockchain intelligence platforms:

• Chainalysis
• TRM Labs
• Elliptic
• CipherTrace
• Merkle Science
• Crystal Blockchain

Ability to:

• Trace cryptocurrency transactions across blockchain networks.
• Identify high-risk wallets and addresses.
• Investigate darknet marketplace exposure.
• Analyze ransomware, sanctions, scam, fraud, mixer, and illicit finance typologies.
• Review blockchain risk scores and CTR/KYT alerts.
• Document blockchain investigative findings for compliance and law enforcement purposes.

Key Responsibilities:

AML and Financial Crime Investigations

• Conduct investigations involving potentially suspicious customer activity, fraud, structuring, money laundering, terrorist financing, elder financial exploitation, and other financial crimes.
• Analyze transactional activity using internal monitoring systems and external intelligence sources.
• Investigate alerts generated through transaction monitoring, sanctions screening, fraud detection, and blockchain monitoring platforms.
• Escalate suspicious activity and prepare investigative summaries and recommendations.

Blockchain and Cryptocurrency Monitoring

• Perform blockchain transaction tracing and cryptocurrency forensic analysis.
• Review cryptocurrency wallet activity using blockchain analytics tools.
• Investigate transactions involving:
• High-risk exchanges
• Mixing services and tumblers
• Darknet marketplaces
• Sanctioned entities
• Fraud schemes
• Scam wallets
• High-risk jurisdictions
• Conduct Know Your Transaction (KYT) reviews and document investigative findings.
• Support wallet risk assessments and transaction risk scoring processes.

SAR and Regulatory Reporting

• Assist in preparing and filing Suspicious Activity Reports (SARs).
• Maintain detailed investigative documentation supporting SAR decisions.
• Ensure investigations are completed in accordance with BSA/AML policies, procedures, and regulatory expectations.
• Support Currency Transaction Reporting (CTR) requirements where applicable.
• Assist with responses to law enforcement requests, subpoenas, and regulatory inquiries.

Customer Due Diligence

• Conduct Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) reviews.
• Review customer onboarding information and supporting documentation.
• Perform periodic customer risk reviews.
• Identify and escalate high-risk customer relationships.

Sanctions and OFAC Compliance

• Review sanctions screening alerts and investigate potential matches.
• Monitor customer and transactional activity for OFAC-related concerns.
• Assist in maintaining sanctions compliance controls and procedures.

Fraud Prevention and Scam Detection

• Identify indicators of:
• Elder financial exploitation
• Romance scams
• Investment fraud
• Impersonation scams
• Pig-butchering schemes
• Money mule activity
• Synthetic identity fraud
• Support fraud investigations and recommend mitigation measures.

Regulatory Compliance and Examination Support

•  Assist the Compliance and BSA Officer in preparing for regulatory examinations, independent audits, and compliance reviews.
• Support compliance testing and monitoring activities.
• Assist in updating policies, procedures, risk assessments, and compliance controls.
• Maintain accurate records required by FinCEN and state regulatory agencies.

Data Analysis and Reporting

• Analyze transaction data and compliance metrics to identify emerging trends and risks.
• Prepare reports for senior management and compliance committees.
• Support ongoing AML risk assessments and program enhancements.
• Recommend process improvements and automation opportunities.

Additional Responsibilities

• Stay informed of emerging cryptocurrency risks, regulatory developments, and industry best practices.
• Participate in compliance training and professional development activities.
• Perform additional duties as assigned by the Chief Compliance Officer.