Compliance Associate (Fintech)

#Recruitment
🏡 Rain #Payments #Crypto·Card
🐇 Introduction:

A financial technology company. Rain is not a bank, exchange, or asset custodian.
Rain does not facilitate FDIC insurance or hold deposits.

🛵 #FullTime #Remote / #Onsite #New·York
📚 #Compliance·Associate #Legal
💰 Salary: $50K – $999K • Offers Equity • Offers Bonus

🌱 Responsibilities:
1️⃣ Review and disposition transaction monitoring alerts and KYC/KYB onboarding applications end to end, including customer profile review, document verification, beneficial ownership analysis, sanctions and PEP screening, adverse media assessment, and transactional activity analysis.
2️⃣ Conduct enhanced due diligence (EDD) on high-risk applicants, including source of funds (SOF), source of wealth (SOW) assessment, business model review, and full beneficial ownership chain documentation.
3️⃣ Make well-reasoned SAR recommendations, clearly articulating why activity is or is not suspicious, with analysis that is complete and defensible to regulators.
4️⃣ Draft SAR narratives that meet FinCEN quality standards.
5️⃣ Send RFIs to customers or partners when additional information is required, and follow through on responses and documentation.
6️⃣ Support periodic KYC refresh reviews for existing customers as part of the company's ongoing due diligence program.
7️⃣ Contribute to onboarding and investigation policy development by identifying gaps and proposing practical improvements.
8️⃣ Stay current on FinCEN advisories, FATF typologies, and emerging financial crime trends related to stablecoins, virtual assets, and agentic payment typologies.

🌵 Requirements:
1️⃣ 3 to 5+ years of experience in a compliance, KYC, AML Investigations or onboarding role at a FinTech, payments company, or crypto company
2️⃣ Demonstrated experience reviewing KYB applications for business entities including beneficial ownership analysis, entity structure review, and corporate document verification
3️⃣ Experience with OFAC, PEP, and adverse media screening tools - comfortable making independent screening determinations and documenting your reasoning
4️⃣ Demonstrated experience conducting end-to-end AML investigations and preparing SAR-quality case documentation
5️⃣ Working knowledge of BSA/AML program requirements and FinCEN SAR filing rules
6️⃣ Experience with transaction monitoring platforms
7️⃣ Familiarity with blockchain analytics tools and on-chain transaction analysis
8️⃣ Strong written communication skills
9️⃣ Comfort working in a fast-paced, high-volume environment where you manage multiple applications simultaneously without losing attention to detail
🔟 A do-er mentality - you are self-directed, take ownership of your queue, and do not wait to be told what to do next
1️⃣1️⃣ CAMS certification or progress toward certification is a plus

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