Financial Crimes & Risk Data Analyst

Rain Financial Crimes Risk Management Position

This role sits within Rain's Financial Crimes Risk Management (FCRM) function and supports the data, technology, analytical, and reporting needs of the Financial Intelligence Unit (FIU).

The position plays a critical role in strengthening transaction monitoring, investigative analytics, and risk segmentation frameworks that underpin Rain's financial crimes program. Reporting to the Director of Compliance Data & Analytics, this individual will work closely with FIU Investigations and Compliance leadership to enhance the effectiveness, scalability, and regulatory defensibility of monitoring controls across the organization.

What You'll Do

• Assist in continuously improving transaction monitoring rules across card, ACH, wire, and digital asset activity to increase detection quality and reduce false positives
• Conduct deep-dive investigations into emerging risk patterns and convert findings into scalable, production-ready monitoring logic
• Analyze alert and case data to evaluate rule performance (e.g., false positive rates, alert-to-case conversion, escalation outcomes) and recommend data-driven optimizations
• Partner with Compliance Investigations to identify typologies and ensure monitoring logic reflects real-world risk signals and regulatory expectations
• Support the design and refinement of onboarding and KYC/KYB risk segmentation frameworks
• Build and maintain dashboards and recurring reporting that provide visibility into rule effectiveness, operational efficiency, and overall risk exposure
• Perform ad hoc risk analyses across customer cohorts, geographies, products, and transaction behaviors to identify outliers or control gaps

You Are Likely To Succeed If You Have:

• 2–4+ years of experience in risk analytics, financial crimes analytics, compliance data, fraud analytics, or related fields (fintech, banking, or payments preferred)
• Hands-on experience with blockchain intelligence tools such as Chainalysis, TRM Labs, Elliptic, or similar platforms
• Strong SQL skills (ability to write complex joins, aggregations, window functions, and performance-optimized queries on large datasets)
• Experience analyzing transaction-level data and building or optimizing rule-based monitoring logic
• Familiarity with AML/BSA concepts and transaction monitoring frameworks
• Ability to translate ambiguous regulatory requirements into structured, data-driven logic
• Strong analytical thinking and ability to independently structure open-ended problems

Bonus Attributes:

• Python experience (pandas, Polars, or similar) for deeper analysis and automation
• Familiarity with KYC/KYB vendors (e.g., Sumsub, Alloy, Persona, etc.)
• Experience designing Retool workflows, internal tools, or compliance dashboards
• Exposure to card network data, ACH flows, wire transactions, or digital asset monitoring
• Experience supporting regulatory exams or external audits

Things That Enable A Fulfilling, Healthy And Happy Experience At Rain:

Unlimited Time Off Unlimited vacation can be daunting, so we require Rainmakers to take 10 days minimum for themselves.

Flexible Working We support a flexible workplace, if you feel comfortable at home please work from home. If you'd like to work with others in an office feel free to come in. We want everyone to be able to work in the environment in which they are their most confident and productive selves. New Rainmakers will have a stipend to create a comfortable atmosphere at home.

Easy To Access Benefits For US Rainmakers, we offer comprehensive health, dental and vision plans for you and your dependents, as well as a 100% company subsidized life insurance plan.

Retirement Goals Plan for the future with confidence. We offer a 401(k) with a 4% company match.

Equity Plan We offer every Rainmakers an equity option plan so we can all benefit from our success.

Rain Cards We want Rainmakers to be knowledgeable about our core products and services. To support this mission, we issue a card for our team to utilize the card for testing.

Health And Wellness High performance begins from within. Rainmakers are welcome to use their card for eligible health and wellness spending like gym memberships/fitness classes, massages, acupuncture - whatever recharges you!

Team Summits Summits play an important role at Rain! Time spent together helps us get to know each other, strengthen our relationships, and build a common destiny. Expect team and company offsites both domestically and internationally.