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Rain

Employer-provided on-demand earned wage access

Compliance Analyst

Financial Crime & AMLConfirmed live in the last 24 hours
Full-timeNew York, NY, USAHybrid

About the Job

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, including making independent screening determinations and documenting the 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.
  • Ability to manage multiple applications simultaneously in a fast-paced, high-volume environment while maintaining attention to detail.
  • Ability to work independently, take ownership of a queue, and proactively progress work.

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, explaining why activity is or is not suspicious and documenting the analysis completely and defensibly to a regulator.
  • Draft SAR narratives that meet FinCEN quality standards.
  • Send RFIs to customers or partners when 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 by identifying gaps and proposing solutions.
  • Stay current on FinCEN advisories, FATF typologies, and emerging financial crime trends relevant to the company's products, including stablecoin, virtual asset, and agentic payment typologies.

Desired Qualifications

  • CAMS certification or progress toward certification.

About the Company

Rain

Employer-provided on-demand earned wage access

Rain provides an Earned Wage Access (EWA) platform that lets employees access part of their earned income before payday. It integrates with employers’ payroll and timekeeping systems (such as Workday and Netchex) to track gross earnings in real time, and employees use a mobile app to view available earnings and request a transfer to their bank account for a small, ATM-like fee. Revenue comes mainly from these transaction fees. Beyond EWA, Rain offers financial wellness tools in its app, including spending analytics, balance alerts, and access to financial coaching and education. The company aims to reduce financial stress for workers, help employers improve retention and productivity, and serve a broad range of clients from small businesses to large enterprises. Its differentiators include seamless payroll integration, real-time earnings tracking, and a bundled suite of financial wellness features.

Company size
201-500
Company stage
Series B
Total funding
$120.2M
Headquarters
Manama, Bahrain
Founded
2021

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