Analyst - Regulatory Compliance

Client/Customer Onboarding Oversight

Review and assess escalated onboarding cases to ensure compliance with US regulatory requirements, including BSA, AML, sanctions, and applicable state and federal regulations.

• Provide guidance to L1 teams on complex KYC and KYB matters, beneficial ownership analysis, and enhanced due diligence requirements.

• Partner with Compliance Managers and other stakeholders to resolve high risk or complex onboarding scenarios while balancing compliance requirements and customer experience.

• Assist in identifying onboarding control gaps, process inefficiencies, and opportunities for enhancement.

Transaction Monitoring (L2 Escalations)

• Review and disposition Level 2 transaction monitoring and screening alerts and escalations.

• Conduct detailed investigations of potentially suspicious activity, including customer behavior analysis, transactional analysis, and documentation review.

• Support preparation of Suspicious Activity Reports, as required.

• Identify trends, root causes, or systemic issues and recommend control enhancements and process improvements.

Escalation Triage & Advisory

• Act as a subject matter resource to L1 teams and internal stakeholders.

• Participate in case review forums and escalation committees, as applicable.

• Provide input on risk assessments, customer risk rating methodology, and escalation frameworks.

• Partner with Compliance, Investigations, Operations, and other teams to ensure escalations are handled consistently and in accordance with regulatory expectations and internal procedures.

Consumer Complaints and Regulatory Advisory

• Review and credibly challenge internal responses to consumer complaints and potential issues raised by the operations team.

• Provide guidance regarding a wide variety of regulatory requirements, including but not limited to credit reporting, disputes, bankruptcy, fair lending, and UDAAP.

• Review customer complaints to identify root causes, analyze trends, and uncover opportunities for product, service, and process improvements to address recurring issues.

• Work with cross functional partners to address compliance concerns, recommend corrective actions, and escalate matters to senior management when appropriate.

Regulatory Compliance Support

• Assist with regulatory exams, audits, internal reviews, and other compliance testing activities.

• Support policy and procedure updates aligned with evolving regulatory requirements and industry best practices.

• Contribute to training and quality assurance initiatives within the Compliance function.

• Assist with metrics reporting, management reporting, and trend analysis to support strategic decision making and process improvement.

• Support broader compliance and risk management initiatives, including licensing related matters, regulatory expansion efforts, and other key projects, as needed.

• Provide cross- jurisdictional support across the Americas, as needed.

Qualifications

Required

• Bachelor’s degree or equivalent experience.

• 4 - 6 years of experience in regulatory compliance, AML, BSA, financial crimes, enterprise risk, operational risk, or audit within a fintech, payments company, regulated financial institution, or regulatory agency.

• Strong experience with US AML regulations, transaction monitoring, screening, and KYC and KYB processes.

• Strong understanding of AML risk typologies, escalation criteria, and how regulatory expectations are applied in practice.

• Experience reviewing and decisioning escalated or high-risk cases.

• Strong understanding of payment flows, money transmission, banking partnerships, and regulatory requirements applicable to financial institutions and fintech companies.

• Familiarity with financial regulatory laws, rules, regulations, and industry best practices across the United States and, preferably, the Americas region.

• Strong analytical, investigative, and documentation skills.

• Strong data proficiency, including the ability to work with data and leverage insights for strategic decision making.

• Excellent verbal and written communication skills, with the ability to clearly explain complex issues to front line teams, senior management, and other stakeholders.

• Strong project management, critical thinking, and time management skills.

• Inquisitive and proactive mindset, with the ability to think strategically and propose practical, effective solutions.

• Strong curiosity about fintech, payments, and consumer financial protections.

Preferred

• CAMS or similar compliance or anti-money laundering certification.

• Experience supporting US Money Transmitter License environments.

• Exposure to multi-jurisdictional compliance frameworks in the Americas.

• Experience developing, maintaining, or enhancing a compliance program within a financial institution, preferably related to payments activity.

• Exposure to licensing processes, regulatory expansion, and RegTech / other technology driven compliance solutions.