AML Compliance Specialist

Rippling•New York, NY

6d•$95,000 - $130,000•Hybrid

About The Position

Rippling is seeking an AML Compliance Specialist to join its Legal & Compliance team as a subject-matter expert within the Financial Intelligence Unit (FIU). The role focuses on day-to-day transaction monitoring and financial crime investigations, using investigative research and data analysis to identify, evaluate, and mitigate financial crime risks across Rippling’s ecosystem. The successful candidate will bring strong investigative judgment, clear and defensible writing, the ability to work at high velocity, and a high standard of integrity. The role includes reviewing and deciding transaction monitoring alerts, conducting end-to-end investigations using internal records, customer data, and external open-source intelligence, preparing investigation summaries and risk assessments, and drafting and submitting suspicious activity reports and equivalent international filings. The specialist will also help maintain FIU procedures and investigative documentation, collaborate with Legal, Risk, Operations, and Product teams, and support audits, compliance initiatives, and improvements to monitoring logic. Rippling values in-office work to foster collaboration and culture. Employees who live within a defined radius of a Rippling office are expected under current policy to work in the office at least three days a week. The role offers competitive salary, benefits, and equity; compensation varies based on factors including professional background, experience, and location.

Requirements

At least 4 years of hands-on AML/BSA compliance experience, with a strong emphasis on transaction monitoring, complex casework, and alert decisioning.
Demonstrated SAR drafting experience, including end-to-end narrative writing and direct filing experience.
Multi-jurisdictional experience and understanding of AML/CTF reporting frameworks and thresholds across multiple global regions, such as FinCEN, FinTRAC, AUSTRAC, or UK/EU FIUs.
Strong analytical and investigative skills, including the ability to interpret complex financial data patterns and draw sound conclusions.
Exceptional written communication skills, especially the ability to translate nuanced investigative findings into structured, defensible narratives.
Ability to manage high case volumes independently with speed and organizational discipline while maintaining quality.
Bachelor’s degree.

Nice To Haves

Active professional certification such as CAMS, CFE, or CFCS.
Prior experience at a high-growth fintech, payments platform, or payroll provider.
Working knowledge of SQL, data visualization tools, or modern compliance technology suites.

Responsibilities

Review, investigate, and make decisions on transaction monitoring alerts across Rippling’s products.
Conduct end-to-end investigations of suspicious activity using internal transactional records, customer data, and external open-source intelligence.
Write comprehensive, objective investigation summaries and risk assessments relating to money laundering, terrorist financing, sanctions evasion, fraud, tax evasion, and bribery or corruption.
Prepare and submit Suspicious Activity Reports (SARs) and equivalent international regulatory filings within statutory deadlines.
Develop and maintain FIU standard operating procedures, investigative playbooks, and typology documentation.
Partner with Legal, Risk, Operations, and Product teams to escalate critical risks and provide actionable compliance feedback.
Support ad-hoc compliance initiatives, audit preparations, and rule-tuning feedback loops to improve monitoring logic.