BSA/AML Analyst

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Legal & ComplianceAml Analyst

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Quick Summary

Overview

At Acorns, our mission is to look after the financial best interests of the up-and-coming, beginning with the empowering, proud step of micro-investing. How do we accomplish our mission? Our values.

Technical Tools

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At Acorns, our mission is to look after the financial best interests of the up-and-coming, beginning with the empowering, proud step of micro-investing. How do we accomplish our mission? Our values.

Responsibilities

~2 min read

Acorns is seeking a BSA/AML Analyst to join our BSA/AML Team. This role is essential to protecting our customers and the integrity of our platform by conducting deep-dive investigations, monitoring transactions, and ensuring we remain at the forefront of regulatory compliance.

Acorns is a remote-first organization, offering the flexibility to work remotely while providing optional access to office space in Irvine, CA.

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Draft and file high-quality Suspicious Activity Reports (SARs) that provide clear, concise narratives for law enforcement and regulators.
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Perform end-to-end investigations into complex customer activity to identify potential suspicious activity, such as money laundering, identity theft, and fraud.
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Compare Know Your Customer (KYC) information to Sanctions and Politically Exposed Persons (PEP) lists to verify false and true positives.
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Analyze transaction patterns and customer profiles to determine if activity is consistent with a customer's known occupation or business purpose.
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Collaborate with the Product and Engineering teams to refine automated monitoring rules and reduce false positives while maintaining high detection standards.
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Stay ahead of emerging financial crime trends and regulatory changes to ensure Acorns' controls remain "game-changing" and effective.
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Assist with internal audits and external regulatory examinations.

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Proven experience in BSA/AML compliance, specifically within a fintech or high-volume financial services environment.
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Strong analytical skills with the ability to connect disparate data points to form a comprehensive view of customer behavior.
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Technical proficiency with AML monitoring software and case management systems.
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Excellent written communication skills, with a focus on precision and clarity in investigative reporting.
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Hunger to deliver game-changing products.
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Exceptional drive and precision in delivery.
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A belief that your work is tied to your life's mission.
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Optimistic about the potential of societal change.

You are not expected to have experience with all listed requirements. If you feel passionate about Acorns' mission, vision, and values, please apply.

What We Offer

~2 min read

✓Competitive salary and stock options

✓A comprehensive benefits package for you and your family

✓Flexible work location, hours, and paid time off

✓401(k) matching

✓Monthly Acorns account contribution & GoHenry account for your family

✓Mindfulness and Financial Wellness resources, Headspace and Addition Wealth

✓Acorns Career Development Program (Ongoing training sessions, development plans, development check-ins, Cornerstone’s online training platform)

✓Roots Leadership Program for Emerging Leaders

✓Community week onsite gatherings and various virtual events

✓Talented and motivated team members who care deeply about one another, our mission, and our customers.

✓The rare opportunity to create a new world. We inspire one another every day to do meaningful work that solves big societal challenges.

Acorns is a financial wellness app that helps everyday people and families save and invest money for the long term. Since 2014, Acorns has grown into a global company with multiple life-stage products serving the needs of kids, teens, adults, and parents. Named one of Time’s “World’s Best Brands of 2024,” Acorns has helped over 14 million people save & invest over $25 billion dollars, much of it from spare change and small amounts.

Acorns participates in E-Verify to confirm the employment eligibility of all newly hired employees. For more information about E-Verify, please visit www.e-verify.gov.