The Financial Crimes Analyst II investigates suspicious banking activity, conducts reviews and reports on anomalies, and guides fintech partners on compliance.
Lead is a fintech building banking infrastructure for embedded financial products and services. We operate an FDIC-insured bank headquartered in Kansas City, Missouri. Additionally, we have offices in San Francisco, Sunnyvale, and New York City, where our technical, product, design, and legal teams operate.
We are built for a constantly evolving financial landscape, where new ventures and technological advancements emerge daily. Guided by a team of entrepreneurs and technologists with decades of experience navigating intricate banking and payments regulations, Lead blends regulatory and technological expertise to help our fintech partners scale their operations with compliance and creativity.
Simply put, Lead offers the essential attributes that every fintech seeks in a partner bank. First, unparalleled technical expertise from a distinguished team of developers with an extensive understanding of the banking and payments systems. Second, oversight expertise, automated compliance systems, and bespoke program management to navigate the ever-shifting regulatory landscape. Finally, a commitment to transparency and operational rigor to ensure everyone’s money does what it’s supposed to do.
Role Description:
The Financial Crimes Analyst II will be responsible for conducting investigations into suspicious activity of our core banking clients and Fintech partnerships. You will partner with bank staff to research and review possible suspicious activity reported by bank staff including fraud, money laundering, and structuring of cash.
In this role you will:
- Adjudicate alerts generated through Lead’s transaction monitoring system.
- Research and review possible suspicious activity reported by bank staff.
- Conduct investigations into unusual activity referrals from Fintech partnership clients.
- Be a front facing subject matter expert to the Bank’s fintech partners regarding trends.
- Perform onboarding risk reviews of both high risk clients and fintech partnerships.
- Perform ongoing EDD reviews for fintech partnerships.
- Complete and file SARs (suspicious activity reports) to ensure that they are properly documented with related narrative and thorough case documentation, including but not limited to, customer statements, due diligence documents, and transaction images
- Use the Bank’s BSA software to monitor suspicious activity including money laundering, structuring, and potential fraud
- Provide support and BSA subject matter expertise to bank staff members helping them understand BSA requirements as they relate to their job function.
- Perform other duties as assigned
Qualifications:
- Have at least 3-5 years of banking BSA experience with another financial institution or with another fintech.
- Preferred CBAP, CAFP, or CAMs certifications
- Preferred experience with Unit21, Verafin, or other technology focused AML software.
- You are a self starter who is able to be a part of a deadline driven department
- Bring an analytical mindset with the ability to process, solve, and answer most complex client transactions, problems, and inquiries due to fraudulent activity.
- Bring strong communication skills to work with all Lead Bank departments.
- Are curious, have humility, are open to learning and approach your work with a growth mindset
- Thrive working in a fluid environment with high autonomy
- Love to collaborate to get to the best, most efficient outcome
- Embody the growth mindset and bring a self-driven and self-starter mentality to your work
What we offer:
- At Lead, we design our benefits to support company culture and principles, to foster an efficient and inspiring work environment, and to create the conditions for our team to give their best in both work and life
- Competitive compensation based on experience, geographic location, and role
- Medical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRA
- Paid parental leave
- Flexible vacation policy, including PTO and paid holidays
- A fun and challenging team environment in a dynamic industry with ample opportunities for career growth
*Lead Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
*Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
**Our compensation reflects the cost of labor across several US geographic markets. Pay is based on a number of factors and may vary depending on geographical market location, job-related knowledge, skills, and experience. These ranges may be modified in the future.
Zone 1: $85,000 - $100,000 (SF/Bay Area, NYC, Seattle)
Zone 2: $70,218 - $82,609 (Los Angeles, Chicago, Austin, Denver, Boston, Washington DC, San Diego, Philadelphia, Portland, Sacramento, Miami)
Zone 3: $65,000 - $75,000 (Other US Metros)
Top Skills
Bsa Software
Unit21
Verafin
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