Financial Crimes Analyst

Flex

1d•$80,000 - $100,000

About The Position

Flex is hiring its first Financial Crimes Analysts to monitor customer activity, investigate potential financial crime, make decisions about suspicious activity, and help build the financial crimes function. The analyst reports directly to the Head of Financial Crimes and works with the people who designed Flex’s financial crime program. The role begins with hands-on work through the alert and case backlog while keeping the queue current, and also involves documenting and improving processes as the function develops. As the backlog comes under control, the analyst can take on broader program improvements and responsibilities. The analyst reviews transaction monitoring alerts and unusual activity across accounts, payments, and cards; determines whether activity is suspicious; escalates higher-risk cases; and supports UAR and SAR filings. The role also includes enhanced due diligence, customer risk-profile refreshes, case documentation, pattern and detection-gap identification, collaboration across Risk, Operations, Support, and Engineering, and support for quality assurance and bank partner file reviews. The position offers an opportunity to help establish case standards and influence how the team grows.

Requirements

1–3 years of experience in BSA/AML compliance, transaction monitoring, fraud operations, or a related financial crimes role.
Hands-on experience dispositioning transaction monitoring alerts in a platform such as Sardine, Unit21, Actimize, or a similar platform.
Working knowledge of AML typologies.
Exposure to fintech, payments, card programs, or BaaS program compliance.
Experience tuning detection rules or using data and SQL to investigate patterns.
Working knowledge of KYC/CDD requirements and BSA obligations.
Exposure to suspicious activity reporting, including drafting narratives or supporting UAR/SAR filings.
Strong written communication skills, including the ability to explain in plain language why activity is or is not suspicious and summarize complex findings concisely.
High attention to detail and the ability to manage and prioritize a queue effectively.
Comfort with ambiguity and the ability to make sound decisions with incomplete information while maintaining quality in a high-volume queue.
Self-driven, growth-oriented approach, including taking initiative to address process friction and document improved methods.

Nice To Haves

CAMS or another AML certification, completed or in progress.

Responsibilities

Review and disposition transaction monitoring alerts, applying BSA/AML typologies to distinguish suspicious activity from false positives.
Investigate unusual activity across accounts, payments, and cards, including potential money laundering, fraud, account takeover, and other illicit behavior.
Escalate higher-risk cases for supervisory review with a clear recommendation.
Support UAR and SAR filings alongside senior team members, with the opportunity to build toward owning filings end to end.
Write clear, well-supported case narratives that explain investigative reasoning to reviewers, examiners, and bank partners.
Conduct enhanced due diligence on existing customers whose activity raises concerns and refresh customer risk profiles when behavior no longer matches onboarding information.
Investigate cases referred by the KYC team and share findings to improve onboarding decisions.
Maintain accurate and complete records in the case management system.
Identify patterns and process gaps behind noisy alerts or missed risk and help improve detection rules and procedures.
Partner with Risk, Operations, Support, and Engineering to close open requests and, over time, tune monitoring.
Support quality assurance and file reviews, including reviews for the bank partner program.
Stay current on AML typologies and regulatory guidance and share relevant learning with the team.
Work through the alert and case backlog while keeping the queue current and balancing quality with speed.
Document effective processes and identify opportunities to simplify or improve them.