Compliance Analyst

Rain • New York, NY

3d • $50,000 - $999,000 • Hybrid

About The Position

We are looking for a hands-on Compliance Analyst to join our Compliance team with a primary focus on KYC and KYB onboarding operations. This is a do-er role - you will be in the queue every day reviewing applications, making risk decisions, and working directly with partners and customers to move onboarding forward without sacrificing compliance quality. You will be expected to own your work end to end, exercise sound judgment on complex cases, and contribute to building and improving the processes that support our onboarding program. This role sits at the intersection of compliance and operations. You are not here to advise - you are here to execute, and to do it well.

Requirements

• Minimum 3 years of experience in a compliance, KYC, AML Investigations or onboarding role at a FinTech, payments company, or crypto company
• Demonstrated experience reviewing KYB applications for business entities including beneficial ownership analysis, entity structure review, and corporate document verification
• Experience with OFAC, PEP, and adverse media screening tools - comfortable making independent screening determinations and documenting your reasoning
• Demonstrated experience conducting end-to-end AML investigations and preparing SAR-quality case documentation
• Working knowledge of BSA/AML program requirements and FinCEN SAR filing rules
• Experience with transaction monitoring platforms
• Familiarity with blockchain analytics tools and on-chain transaction analysis
• Strong written communication skills
• 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

Nice To Haves

• CAMS certification or progress toward certification is a plus

Responsibilities

• 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
• Conduct enhanced due diligence on High Risk applicants - including source of funds and source of wealth assessment, business model review, and full beneficial ownership chain documentation
• Make well-reasoned SAR recommendations - clearly articulating why activity is or is not suspicious and documenting your analysis in a manner that is complete and defensible to a regulator
• Draft SAR narratives that meet FinCEN quality standards
• Send RFIs to customers or partners where additional information is needed to resolve an alert or application and follow through to receipt and documentation of the response
• Support periodic KYC refresh reviews on existing customers as part of the Company's ongoing due diligence program
• Contribute to onboarding and investigation policy development - if you see a gap, flag it and propose a solution
• Stay current on FinCEN advisories, FATF typologies, and emerging financial crime trends relevant to Rain's product set - including stablecoin, virtual asset, and agentic payment typologies

Benefits

• Unlimited time off
• Flexible working
• Comprehensive health, dental and vision plans for you and your dependents
• 100% company subsidized life insurance plan
• 401(k) with a 4% company match
• Equity option plan
• Rain Cards for product testing
• Eligible health and wellness spending (gym memberships/fitness classes, massages, acupuncture)
• Team summits and offsites

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed