高级反洗钱分析师
Senior AML Analyst
Lithic 是现代的卡片发行和处理平台，助力有抱负的金融公司打造支付的未来。
我们的基础设施为 100 多家创新客户运行卡片项目，从重新定义信用和数字银行的金融科技公司，到改变拨款和支出管理的平台。Mercury、Flex 和 Novo 等公司依赖 Lithic 的开发者友好的 API、直接网络连接以及无瑕疵的对账功能，在数周而非数年内推出并扩展卡片项目。
我们正在构建一个未来，人们可以不受三十年前的大型机和遗留处理器的限制，获得更好的金融产品，从而显著改善生活。我们自豪地得到世界级投资者的支持，他们与我们有着同样的愿景，包括 Bessemer Venture Partners、Index Ventures、Spark Capital、Stripes 和 Mastercard，以及其他许多投资方。
我们团队成员超过 170 人，分布在 26 个州和 7 个国家，总部位于纽约市。
Lithic 是现代的卡片发行和处理平台，助力有抱负的金融公司打造支付的未来。
我们的基础设施为 100 多家创新客户运行卡片项目，从重新定义信用和数字银行的金融科技公司，到改变拨款和支出管理的平台。Mercury、Flex 和 Novo 等公司依赖 Lithic 的开发者友好的 API、直接网络连接以及无瑕疵的对账功能，在数周而非数年内推出并扩展卡片项目。
我们正在构建一个未来，人们可以不受三十年前的大型机和遗留处理器的限制，获得更好的金融产品，从而显著改善生活。我们自豪地得到世界级投资者的支持，他们与我们有着同样的愿景，包括 Bessemer Venture Partners、Index Ventures、Spark Capital、Stripes 和 Mastercard，以及其他许多投资方。
我们团队成员超过 170 人，分布在 26 个州和 7 个国家，总部位于纽约市。
我们的风险与合规团队正在招聘一名高级反洗钱分析师，该职位将提升我们财务监控计划的有效性、弹性和可扩展性。你将负责 Lithic 的反洗钱和金融犯罪监控计划在标准操作流程和监控引擎层面的工作，并将成为将我们的代理监控和调查工具转化为实际、可辩护能力的人。这是一个拥有主导权的职位，而不仅仅是基于队列执行的角色：你当然会处理升级、例外情况并进行抽样检查，但目标是实现常规、文档化的流程。
查看英文原文
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.
We're building a future where access to better financial products materially improves people's lives, free from the constraints of 30-year-old mainframes and legacy processors. We're proud to be backed by world-class investors who share that vision, including Bessemer Venture Partners, Index Ventures, Spark Capital, Stripes, and Mastercard, along with many others.
We're a team of 170+ across 26 states and 7 countries, headquartered in New York City.
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.
We're building a future where access to better financial products materially improves people's lives, free from the constraints of 30-year-old mainframes and legacy processors. We're proud to be backed by world-class investors who share that vision, including Bessemer Venture Partners, Index Ventures, Spark Capital, Stripes, and Mastercard, along with many others.
We're a team of 170+ across 26 states and 7 countries, headquartered in New York City.
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 Do
- Own and continuously improve the AML and financial crime transaction monitoring SOPs, keeping them aligned to current regulatory requirements, evolving typologies, and operational reality
- Own 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 coverage
- Lead 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 output
- Investigate complex suspicious activity independently and prepare high-quality SARs and UARs; own escalations and the judgment-heavy cases automation cannot close unattended
- Supervise and quality-check alert review and investigative output, including AI-assisted output, so decisions hold up to bank partner and regulatory scrutiny
- Synthesize monitoring performance data, operational trends, and emerging financial crime risks into actionable program insights, and define and influence AML KPIs and KRIs
- Lead governance preparation for relevant oversight forums and support bank partner and exam-readiness deliverables
- Train and mentor analysts on investigations, money laundering typologies, and the agentic tooling, so program knowledge scales beyond any one person
#### What You'll Need
- 3+ years of AML/BSA and transaction monitoring experience in fintech, payments, or a bank-partnered environment
- Demonstrated ownership of end-to-end AML programs or work streams with limited guidance, including authoring and maintaining SOPs and preparing governance materials
- Deep knowledge of money laundering typologies and emerging financial crime trends, with the ability to investigate complex activity and prepare high-quality SARs and UARs independently
- Hands-on experience evaluating alert logic and assessing or tuning transaction monitoring rules and scenarios for effectiveness
- Comfort working with AI-assisted or agentic tooling, including how to test, tune, document, and defend AI-assisted decisions to bank partners and regulators
- Self-starter who can create structure where none exists and knows when to escalate and collaborate
- Strong written and verbal communication
- Solid grasp of the BSA/AML regulatory framework (USA PATRIOT Act, OFAC and sanctions, SAR requirements)
#### Nice to Have
- CAMS or CFE (preferred, or willing to obtain)
- Experience deploying or tuning AI, automation, or agentic tooling in a compliance or investigations context
- Experience with OSINT tooling and SQL or Snowflake for investigative data retrieval
- Card issuing, payments, or fintech experience with exposure to sponsor bank relationships
- Background in high-risk verticals (MRBs, crypto-adjacent businesses, or similar)
Base Salary: $65,000 - $110,000
This 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 PTO
- 12-weeks fully paid parental leave
- 4-Week Fully Paid Sabbatical (earned at your 5-year anniversary)
- Work From Anywhere: work from anywhere in the world 4-weeks each year
- 3% cashback on card purchases with your complimentary [Privacy.com](http://Privacy.com) employee account
- Health, vision, and dental insurance; HSA Contribution Match
- 401(k) match
- Voluntary Life Insurance and STD/LTD
NYC-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 benefit
- Catered lunch every Tuesday and Thursday