Senior Analyst, Fraud and AML

Rocket Money•Washington, DC

2d•$100,000 - $125,000

About The Position

Rocket Money is seeking an experienced, hands-on analyst to manage day-to-day fraud and anti-money laundering (AML) risk as the company scales its member base and financial product portfolio. The Senior Analyst will triage and work fraud and AML alert and case queues, investigate complex matters, document decisions, and use case findings to improve rules, controls, and processes. The role handles both fraud and money laundering risks that may occur in the same accounts and money movements, and serves as a trusted backup to the Senior Manager on Suspicious Activity Report (SAR) referrals and bank partner escalations. The analyst will help put the program’s direction into daily practice and report to the Senior Manager, Fraud and AML. The role works closely with product, engineering, operations, and data colleagues, as well as banking and brokerage partners. It supports day-to-day Bank Secrecy Act (BSA) and AML compliance, incident response, independent testing, and partner audits. Success includes maintaining healthy queues and consistent SLA and quality reporting, making measurable improvements to alert quality and manual effort, keeping audit-ready case files, and becoming a go-to expert in fraud and money laundering triage, investigation, and response. The position offers a salary range of $100,000–$125,000 per year, plus bonus and benefits; base pay may vary based on job-related knowledge, skills, and experience.

Requirements

At least 4 years of experience in fraud operations with AML compliance for deposit and/or brokerage products at a fintech; experience with both product types is ideal.
Hands-on fraud triage experience, including assessing alerts, distinguishing risk from noise, prioritizing cases, and making clear, well-documented decisions under time pressure.
Strong analytical skills and ability to identify patterns in data and support decisions with evidence.
Exceptional written and verbal communication skills, including case documentation that can withstand audit.
Collaborative, curious mindset and ability to work in a fast-moving environment with an evolving program.

Nice To Haves

Industry certification such as CAFS, CAMS, CFCS, or CFE.
Experience tuning rules, scenarios, or models, or working with case management and alerting tools.
Experience supporting independent testing, regulatory exams, or partner audits.
Deep familiarity with the US regulatory landscape and fraud typologies.
Bachelor’s degree in business, statistics, STEM, economics, criminal justice, or a related field, or equivalent experience.

Responsibilities

Triage incoming fraud and AML alerts, distinguish risk from noise, and prioritize by member impact and potential loss.
Own the timeliness, quality, and documentation of daily alert and case queues.
Work fraud and AML alerts and cases, including account takeover, first-party and ACH abuse, money mule activity, and business use of consumer accounts.
Track service-level agreement (SLA) targets and perform quality checks on case decisions.
Investigate complex, multi-account cases from initial signal through a documented, defensible decision.
Prepare SAR referrals and supporting case documentation within bank partner timelines.
Coordinate with bank and brokerage partners on cases requiring escalation and serve as backup to the Senior Manager on partner escalations.
Support incident response by tracing root causes and documenting what changed and why.
Review rule and control performance, including alert precision, time to decision, false positives, and loss outcomes.
Propose rule tuning and other remediation based on case patterns, and follow remediation through to completion.
Identify emerging fraud and AML patterns before they result in losses or compliance findings.
Feed disposition and data-quality findings into rules, routing, and vendor tools.
Support day-to-day BSA and AML compliance, including case documentation, training, and testing evidence.
Help prepare for independent testing and bank partner audits by maintaining complete, consistent, retrievable records.
Contribute to clear, concise, practical procedures and incident write-ups.
Collaborate with product, engineering, operations, and data colleagues to improve controls and align shared metrics and definitions.
Regularly share emerging patterns, queue health, and control performance with the Senior Manager.
Explain findings and loss-prevention versus member-experience trade-offs in plain language.