Senior AML Analyst

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

Requirements

• 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

Benefits

Additional Information

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.

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