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Responsibilities
Lithic is the modern card issuing and processing platform empowering ambitious financial companies to build the future of payments.Our infrastructure powers card programs for 100+ innovative clients, from fintechs reimagining credit and digital banking to platforms transforming disbursements and spend management. Companies like Mercury, Flex, and Novo rely on Lithic's developer-friendly APIs, direct network connections, and flawless reconciliation to launch and scale card programs in weeks, not years.Our Risk & Compliance team is hiring a Senior AML Analyst who will improve the effectiveness, resilience, and scalability of our financial monitoring program. You will own Lithic's AML and financial crime monitoring program at the SOP and monitoring-engine level, and you will be the person who turns our agentic monitoring and investigation tooling into realized, defensible capacity. This is an ownership role, not purely a queue-based execution role: you’ll certainly handle escalations, exceptions, and perform population sampling, but the goal is routine, documented volume is increasingly absorbed by automation, and you own the design, tuning, and exception handling that sit around it.What You’ll DoOwn and continuously improve the AML and financial crime transaction monitoring SOPs, keeping them aligned to current regulatory requirements, evolving typologies, and operational realityOwn the feedback loop into Lithic's monitoring engine: partner with your Analytics, Engineering, and Product peers to evaluate alert logic, assess rule and scenario effectiveness, and tune thresholds to reduce false positives while preserving coverageLead the testing, deployment, and tuning of agentic transaction monitoring and investigation solutions, including documenting the investigative context the tooling needs to produce repeatable, examiner-ready outputInvestigate complex suspicious activity independently and prepare high-quality SARs and UARs; own escalations and the judgment-heavy cases automation cannot close unattendedSupervise and quality-check alert review and investigative output, including AI-assisted output, so decisions hold up to bank partner and regulatory scrutinySynthesize monitoring performance data, operational trends, and emerging financial crime risks into actionable program insights, and define and influence AML KPIs and KRIsLead governance preparation for relevant oversight forums and support bank partner and exam-readiness deliverablesTrain and mentor analysts on investigations, money laundering typologies, and the agentic tooling, so program knowledge scales beyond any one personWhat You'll Need3+ years of AML/BSA and transaction monitoring experience in fintech, payments, or a bank-partnered environmentDemonstrated ownership of end-to-end AML programs or work streams with limited guidance, including authoring and maintaining SOPs and preparing governance materialsDeep knowledge of money laundering typologies and emerging financial crime trends, with the ability to investigate complex activity and prepare high-quality SARs and UARs independentlyHands-on experience evaluating alert logic and assessing or tuning transaction monitoring rules and scenarios for effectivenessComfort working with AI-assisted or agentic tooling, including how to test, tune, document, and defend AI-assisted decisions to bank partners and regulatorsSelf-starter who can create structure where none exists and knows when to escalate and collaborateStrong written and verbal communicationSolid grasp of the BSA/AML regulatory framework (USA PATRIOT Act, OFAC and sanctions, SAR requirements)Nice to HaveCAMS or CFE (preferred, or willing to obtain)Experience deploying or tuning AI, automation, or agentic tooling in a compliance or investigations contextExperience with OSINT tooling and SQL or Snowflake for investigative data retrievalCard issuing, payments, or fintech experience with exposure to sponsor bank relationshipsBackground in high-risk verticals (MRBs, crypto-adjacent businesses, or similar)Base Salary: $65,000 - $110,000This is a remote position. However, candidates must be located in the United States. We do not offer visa sponsorship or assistance.Benefits for Full-Time US Employees:Unlimited PTO12-weeks fully paid parental leave4-Week Fully Paid Sabbatical (earned at your 5-year anniversary)Work From Anywhere: work from anywhere in the world 4-weeks each year3% cashback on card purchases with your complimentary Privacy.com employee accountHealth, vision, and dental insurance; HSA Contribution Match401(k) matchVoluntary Life Insurance and STD/LTDNYC-based employees work from our SoHo office three days a week. Tuesdays and Thursdays are our core days, and you'll choose a third day that works for your schedule and team needs.In-office employees receive: Commuter benefitCatered lunch every Tuesday and Thursday
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