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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.


In this role you will:
  • 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


Qualifications:
  • 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


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, 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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Average salary estimate

$95000 / YEARLY (est.)
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$75000K
$115000K

If an employer mentions a salary or salary range on their job, we display it as an "Employer Estimate". If a job has no salary data, Rise displays an estimate if available.

What You Should Know About Financial Crimes Operations Analyst III, Lead Bank

Are you ready to take your career to the next level as a Financial Crimes Operations Analyst III at Lead? In a vibrant remote work environment, you’ll join a pioneering fintech that’s reshaping the banking infrastructure for innovative financial products. At Lead, our mission is to navigate the complex landscape of financial regulation while harnessing the latest technological advancements. As a vital team member, you’ll support the detection and analysis of financial crimes, enhancing our reporting and operational systems to ensure compliance and innovation go hand-in-hand. Your analytical skills will shine as you oversee our risk model framework and optimize transaction screening scenarios. You’ll be in charge of identifying, documenting, and reporting suspicious activities, working collaboratively to mitigate financial crime risks. With your expertise in AML and your ability to fine-tune our monitoring systems, you’ll not only help secure the organization but also contribute to the growth of our dynamic team. We’re looking for passionate individuals with a solid background in BSA, a curious mindset, and an eagerness to learn and grow in this ever-evolving sector. If you thrive under pressure, enjoy collaborating across various teams, and have a desire to make a real impact in the financial world, then Lead is where you belong. Join us in making financial services accessible, compliant, and innovative for our partners and customers!

Frequently Asked Questions (FAQs) for Financial Crimes Operations Analyst III Role at Lead Bank
What are the main responsibilities of a Financial Crimes Operations Analyst III at Lead?

As a Financial Crimes Operations Analyst III at Lead, your key responsibilities include supporting the detection and analysis of financial crimes, enhancing reporting systems, conducting data validations, and optimizing internal processes related to financial crime prevention. You'll oversee the risk model framework and assist in the development and implementation of transaction screening scenarios, ensuring that all suspicious events are accurately identified and reported on time.

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What qualifications are needed for the Financial Crimes Operations Analyst III position at Lead?

Candidates for the Financial Crimes Operations Analyst III role at Lead should possess at least 5-7 years of banking BSA experience with a financial institution or fintech. Preferred qualifications include familiarity with Convertible Virtual Currencies (CVC) or Banking as a Service (BaaS), as well as certifications like CFE, CAFP, or CAMs. Experience with technologies like Unit21 is also beneficial.

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How does the Financial Crimes Operations Analyst III role contribute to Lead's compliance efforts?

The Financial Crimes Operations Analyst III at Lead plays a crucial role in ensuring compliance through the identification and documentation of suspicious activities and the enhancement of the AML risk rating model. By analyzing data to identify potential risks and ensuring that all measures are aligned with regulatory requirements, this role directly supports the bank's commitment to maintaining robust compliance practices.

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What skills are crucial for success as a Financial Crimes Operations Analyst III at Lead?

Successful Financial Crimes Operations Analysts III at Lead should exhibit strong analytical skills, effective communication abilities, and a proactive attitude toward problem-solving. Familiarity with regulatory frameworks and the ability to work collaboratively with internal teams are also essential skills. Candidates should be self-starters, comfortable in a dynamic environment, and eager to learn continuously.

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What does a typical day look like for a Financial Crimes Operations Analyst III at Lead?

A typical day for a Financial Crimes Operations Analyst III at Lead includes tasks like conducting data validations to ensure accuracy in AML systems, collaborating with different teams to build enhanced reporting, and performing data analyses to identify trends and suspicious activities. Regular interactions with stakeholders will also be part of the role, as you provide expertise on BSA requirements and help refine internal compliance processes.

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Common Interview Questions for Financial Crimes Operations Analyst III
What experience do you have with AML systems?

In answering this question, be sure to highlight any specific AML systems you've worked with, such as Unit21, detailing your past experiences in tuning and optimizing these systems. Discuss any contributions you've made to improving monitoring processes, showcasing your technical skills along with your analytical thinking.

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How do you stay updated on financial crime trends and regulations?

To effectively respond to this question, mention your strategies for staying informed, such as following industry publications, participating in relevant webinars, and networking with professionals in the field. This demonstrates your commitment to continuous learning and understanding of the dynamic regulatory landscape.

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Can you describe a challenging case you worked on regarding suspicious activity?

When providing your answer, share a specific example, focusing on the details of your role, the challenges faced, and the outcome. Highlight your analytical skills and how you collaborated with teams to resolve the issue and enhance the detection process.

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How do you approach data analysis in detecting financial crimes?

For this question, explain your methodology for analyzing data, including the tools and techniques you utilize. Share a relevant example of how your analytical insights led to tangible improvements in identifying suspicious activities.

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What role do you believe communication plays in mitigating financial crime?

In your response, articulate the importance of clear communication across departments. Discuss how effective communication can lead to better collaboration and quicker resolution of potential financial crime cases, emphasizing your experience working in team settings.

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How would you improve our existing AML risk assessment model?

When answering, you should focus on providing a thoughtful critique of existing models, backed by your own experiences. Identify specific areas you believe should be enhanced, and suggest practical solutions based on data analysis and best practices you've encountered.

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What is your understanding of FinCEN requirements?

To effectively answer, demonstrate a solid grasp of FinCEN regulations. Discuss the critical compliance measures Institution must adhere to and any relevant experiences you have had in implementing these requirements in past roles.

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Describe your experience working with cross-functional teams.

Here, emphasize your capabilities in collaborating with diverse teams. Discuss specific projects where teamwork was crucial in meeting deadlines and enhancing operational efficiency.

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How do you handle deadlines in a fast-paced environment?

Provide examples that exhibit your time management skills. Discuss how you prioritize tasks and maintain focus under pressure, while still ensuring high-quality work output.

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Why do you want to work at Lead as a Financial Crimes Operations Analyst III?

To answer this question effectively, express your enthusiasm for working in fintech and your admiration for Lead's commitment to innovation and compliance. Align your personal career goals with the mission and values of the company, demonstrating your genuine interest.

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Full-time, remote
DATE POSTED
April 22, 2025

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