Lithic Senior AML Analyst at Lithic owning and improving the AML and financial crime transaction monitoring program. Responsible for designing, tuning, and exception handling around automated monitoring and investigation tooling.
Responsibilities
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 bring:
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
Qualification
Strong written and verbal communicationCAMS or CFE (preferredExperience deploying or tuning AICard issuingBackground in high-risk verticals (MRBsThis is a remote position
Required
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)
Preferred
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)
The annual US salary range for this role is $65,000 - $110,000 plus equity. This salary range may be inclusive of several career levels at Lithic and will be narrowed during the interview process based on the candidate’s experience and qualifications.
This is a remote position. However, candidates must be located in the United States. We do not offer visa sponsorship or assistance.
