Job Description

Compliance Analyst

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.

What You Will Do

• 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

What You Bring

• 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
• CAMS certification or progress toward certification is a plus

What Success Looks Like

• Applications are reviewed thoroughly, dispositioned accurately, and documented completely - every time
• Your SLA compliance rate is consistently above 95%
• Escalations are well-supported - when you escalate, the reviewer has everything they need to make a decision without coming back to you for more information
• You are identifying process gaps and bringing solutions, not just flagging problems

Things that enable a fulfilling, healthy and happy experience at Rain:

Unlimited time off Unlimited vacation can be daunting, so we require Rainmakers to take 10 days minimum for themselves.

Flexible working We support a flexible workplace – work from home, come into an office, or both. We want everyone to work in an environment where they're their most confident and productive selves. New Rainmakers receive a stipend to set up a comfortable home workspace.

Easy to access benefits For US Rainmakers, we cover 95% of your health, dental, and vision plan costs and 90% for your dependents, plus a 100% company-subsidized life insurance plan.

Retirement goals Plan for the future with confidence. We offer a 401(k) with a 4% company match.

Equity plan Every Rainmaker gets an equity option plan so we all benefit from our success.

Health and Wellness High performance begins from within. Rainmakers receive a monthly stipend to be used for eligible health and wellness spending like gym memberships/fitness classes, massages, acupuncture - whatever recharges you!

In-office meals Rainmakers working from the office enjoy lunch and dinner on us, covered with a DoorDash credit.

Team summits Summits play an important role at Rain. Time together helps us build relationships and a common destiny. Expect team and company offsites, both domestic and international.

Job Tags

Similar Jobs