EarnIn
Financial Crimes & Compliance Analyst
Company : EarnIn
EarnIn is one of the first pioneers of earned wage access. Our mission is to provide real-time financial flexibility for those living paycheck to paycheck. We allow users to access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.
We have an experienced leadership team backed by world‑class investors such as A16Z, Matrix Partners, DST, Ribbit Capital, and a healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world‑class talent onboard to shape the next chapter of our growth journey.
Position Summary EarnIn is seeking a highly analytical, detail‑oriented Financial Crimes and Compliance Analyst to join its Enterprise Risk Management team. The analyst will support and enhance EarnIn’s Anti‑Money Laundering (AML), economic sanctions, and overall compliance program. The analyst will identify improvement opportunities across AML and sanctions, collaborate with business lines to strengthen controls, provide actionable risk insights, and maintain a strong compliance culture that protects the company and its customers.
This remote position offers a unique opportunity to make a meaningful impact in a dynamic, fast‑paced environment. The US base salary range is $80,000 – $90,000 + equity + benefits.
What You'll Do
Review, analyze, and disposition AML alerts according to internal procedures and regulatory expectations.
Monitor customer transactions and behavioral patterns to detect risks related to money laundering, terrorist financing, fraud, and sanctions violations.
Conduct detailed investigations into suspicious activity and document findings with SAR recommendations where warranted.
Review OFAC sanctions and PEP alerts, including escalation and resolution of potential matches.
Conduct annual BSA/AML/Sanctions risk assessments to evaluate exposure and improve controls.
Collaborate with Fraud Operations, Risk, Product, and Engineering to strengthen compliance controls and support scalable growth.
Assist in developing and refining policies, procedures, and playbooks for the Financial Crimes and Compliance Program.
Test, develop, and tune transaction monitoring rules for existing products and services.
Maintain a strong understanding of regulatory requirements (BSA/AML, OFAC, USA PATRIOT Act, Reg Z, UDAAP, etc.) and their applicability to EarnIn’s products and services.
Support regulatory reporting, audits, or examinations.
Manage and execute projects efficiently within specified timeframes, working across multiple business lines.
Provide cross‑functional support for regulatory issues management and the overall compliance program.
What We're Looking For
3+ years of experience in AML investigations, financial crimes compliance, or risk management within fintech, banking, or financial services.
Bachelor’s degree or equivalent professional experience.
ACAMS designation or similar certification strongly preferred.
Demonstrated knowledge and application of financial crimes laws and regulations (BSA/USA PATRIOT Act/AMLA/FinCEN regs/OFAC regs).
Strong analytical, organizational, and critical‑thinking skills, with the ability to multitask and adapt in a rapidly changing environment.
Strong investigative skills, including familiarity with public record research and database tools.
Proficiency in Excel/Sheets (VLOOKUP, INDEX MATCH, advanced conditional formatting, pivot tables, macros, VBA) and PowerPoint/Slides.
Strong written and verbal communication skills.
Professionalism, discretion, and the ability to manage sensitive information confidentially.
Creative problem‑solving with a customer‑first mindset.
Preferred experience in fintech or similarly fast‑paced financial environments.
Seniority Level Mid‑Senior level
Employment Type Full‑time
Job Function Legal
Industries Technology, Information and Internet
Referrals increase your chances of interviewing at EarnIn by 2x.
We believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E‑Verify participant.
EarnIn does not accept unsolicited resumes from individual recruiters or third‑party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.
#J-18808-Ljbffr
EarnIn is one of the first pioneers of earned wage access. Our mission is to provide real-time financial flexibility for those living paycheck to paycheck. We allow users to access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.
We have an experienced leadership team backed by world‑class investors such as A16Z, Matrix Partners, DST, Ribbit Capital, and a healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world‑class talent onboard to shape the next chapter of our growth journey.
Position Summary EarnIn is seeking a highly analytical, detail‑oriented Financial Crimes and Compliance Analyst to join its Enterprise Risk Management team. The analyst will support and enhance EarnIn’s Anti‑Money Laundering (AML), economic sanctions, and overall compliance program. The analyst will identify improvement opportunities across AML and sanctions, collaborate with business lines to strengthen controls, provide actionable risk insights, and maintain a strong compliance culture that protects the company and its customers.
This remote position offers a unique opportunity to make a meaningful impact in a dynamic, fast‑paced environment. The US base salary range is $80,000 – $90,000 + equity + benefits.
What You'll Do
Review, analyze, and disposition AML alerts according to internal procedures and regulatory expectations.
Monitor customer transactions and behavioral patterns to detect risks related to money laundering, terrorist financing, fraud, and sanctions violations.
Conduct detailed investigations into suspicious activity and document findings with SAR recommendations where warranted.
Review OFAC sanctions and PEP alerts, including escalation and resolution of potential matches.
Conduct annual BSA/AML/Sanctions risk assessments to evaluate exposure and improve controls.
Collaborate with Fraud Operations, Risk, Product, and Engineering to strengthen compliance controls and support scalable growth.
Assist in developing and refining policies, procedures, and playbooks for the Financial Crimes and Compliance Program.
Test, develop, and tune transaction monitoring rules for existing products and services.
Maintain a strong understanding of regulatory requirements (BSA/AML, OFAC, USA PATRIOT Act, Reg Z, UDAAP, etc.) and their applicability to EarnIn’s products and services.
Support regulatory reporting, audits, or examinations.
Manage and execute projects efficiently within specified timeframes, working across multiple business lines.
Provide cross‑functional support for regulatory issues management and the overall compliance program.
What We're Looking For
3+ years of experience in AML investigations, financial crimes compliance, or risk management within fintech, banking, or financial services.
Bachelor’s degree or equivalent professional experience.
ACAMS designation or similar certification strongly preferred.
Demonstrated knowledge and application of financial crimes laws and regulations (BSA/USA PATRIOT Act/AMLA/FinCEN regs/OFAC regs).
Strong analytical, organizational, and critical‑thinking skills, with the ability to multitask and adapt in a rapidly changing environment.
Strong investigative skills, including familiarity with public record research and database tools.
Proficiency in Excel/Sheets (VLOOKUP, INDEX MATCH, advanced conditional formatting, pivot tables, macros, VBA) and PowerPoint/Slides.
Strong written and verbal communication skills.
Professionalism, discretion, and the ability to manage sensitive information confidentially.
Creative problem‑solving with a customer‑first mindset.
Preferred experience in fintech or similarly fast‑paced financial environments.
Seniority Level Mid‑Senior level
Employment Type Full‑time
Job Function Legal
Industries Technology, Information and Internet
Referrals increase your chances of interviewing at EarnIn by 2x.
We believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E‑Verify participant.
EarnIn does not accept unsolicited resumes from individual recruiters or third‑party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.
#J-18808-Ljbffr