Senior Compliance Analyst

Summary

Join Credit Key, a leading provider of flexible payments for B2B transactions, as a Sr. Compliance Analyst. This critical role focuses on AML/CFT compliance, supporting our business and bank sponsorship partner. You will design, implement, and maintain AML/CFT processes, conduct risk assessments, and ensure regulatory compliance. You will also monitor, test, and enhance compliance frameworks, contributing to broader compliance initiatives. Reporting to the VP of Compliance, you will play a key role in ensuring adherence to regulations and collaborating with internal and external stakeholders. The ideal candidate possesses strong AML/CFT knowledge, experience in compliance monitoring and reporting, and excellent communication skills. This is a 100% remote position with a flexible work schedule.

Requirements

• 3 - 5 years of experience in a compliance role, preferably within fintech, bank sponsorship, or financial services
• In-depth knowledge of AML/CFT, OFAC, and other Regulations of ECOA/Fair Lending, FCRA/FACTA, SCRA, FDCPA and risk assessments
• Experience in compliance monitoring, testing, and regulatory reporting
• Familiarity with SOC compliance, vendor management, and third-party risk oversight
• Strong analytical skills with the ability to assess risk and implement practical solutions
• Excellent communication and collaboration skills to work with internal teams, bank sponsor partnerships, and auditors
• Must be a self-starter with the ability to work independently in a fast-paced environment

Responsibilities

• Design, implement, and maintain AML/CFT policies, procedures, and controls to ensure compliance with federal and state regulations
• Conduct AML/CFT and OFAC risk assessments, identifying potential risks and recommending mitigation strategies
• Lead the monitoring and testing of AML/CFT controls across the business, identifying areas for improvement
• Develop and manage AML/CFT training programs for internal teams
• Establish and enhance ongoing monitoring and testing processes to evaluate the effectiveness of the AML/CFT compliance program
• Conduct enhanced due diligence (EDD) reviews and investigations of high-risk merchants and borrowers
• Monitor suspicious activity transactions and file suspicious activity referrals with the bank partner, as appropriate
• Prepare compliance reports for senior leadership and regulatory bodies as required
• Assist in managing SOC compliance efforts, ensuring adherence to industry standards
• Support vendor due diligence and ongoing monitoring for third-party service providers
• Stay current with regulatory developments, including guidance from FinCEN, OFAC, FDIC, OCC, and other relevant agencies
• Collaborate with internal stakeholders to ensure the business meets regulatory and bank partner expectations
• Assist the VP of Compliance with regulatory examinations, audits, and reporting obligations

Preferred Qualifications

Certifications such as CAMS (Certified Anti-Money Laundering Specialist) or CRCM (Certified Regulatory Compliance Manager) are a plus

Benefits

• Competitive Compensation Package with equity and paid time off
• Great healthcare benefits
• 401k Match
• 100% Remote. Flexible work schedule & location
• Supportive, low ego, highly collaborative team environment
• Work from home stipend