Financial Crimes Operations Analyst III

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 Operations Analyst III will support the detection, analysis, and reporting of financial crimes within the organization. This role involves the creation and enhancement of reports, conducting data validations, as well as fine-tuning and optimizing internal systems and processes related to financial crime prevention. This position will also be in charge of overseeing our risk model framework in addition to further development and implementation of transaction screening scenarios. This position will be responsible for ensuring the accurate identification, documentation, and timely reporting of all potentially suspicious events, as well as recommending enhancements to further mitigate risk. The role requires proficiency in understanding the scenarios associated with Fraud, Money Laundering, and Terrorist Financing along with appropriate red flags mitigation.

• Assist in building and testing AML monitoring rules across multiple products and services
• Assist in the ongoing tuning and optimization of AML systems to improve processes
• Conduct daily validations to ensure data is imported into the AML system
• Develop relevant program documentation surrounding Lead Bank’s AML vendors and
• processes
• Conduct more in-depth periodic balancing of the data imported into the monitoring
• system from source systems
• Assist in building enhanced reporting to track trends, suspicious activities and other
• financial crime-related incidents
• Collaborate with internal teams to develop reporting drawing data from multiple systems
• and sources
• Assist with maintaining the AML risk rating model and reviewing periodically for
• recommended changes and improvements
• Perform data analysis and provide results to senior management in relation to the
• tuning/alert threshold reviews.
• Identify potential risks to the Bank’s AML program through data analysis and review.
• Assist with the enhancement of the AML risk rating model to ladder across multiple
• verticals to accommodate variations in risk factors
• Stay current with developments in the area of FinCEN to ensure program compliance
• 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

• Have at least 5-7 years of banking BSA experience with another financial institution or
• with another fintech.
• Preferred experience in Convertible Virtual Currencies (CVC) and/or Banking as a Service
• (BaaS).
• Preferred CFE, CAFP, or CAMs certifications
• Preferred experience with Unit21, 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 draw conclusions
• 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

• 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, including opportunities for equity grants, 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. 

*Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

*Pursuant to the Los Angeles County Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

**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: $100,000 - $115,000 (SF/Bay Area, NYC, Seattle)

Zone 2: $80,750 - $95,000 (Los Angeles, Chicago, Austin, Denver, Boston, Washington DC, San Diego, Philadelphia, Portland, Sacramento)

Zone 3: $75,000 - $85,000 (Other US Metros)

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