Financial Crimes Analyst II

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.

The Financial Crimes Analyst II will be responsible for the timely completion of enhanced due diligence for Lead’s FinTech partnerships, ensuring that all red flags associated with the product offering are identified, mitigated, or escalated to the appropriate stakeholder for exception review in order for them to launch. Additionally, the Financial Crimes Analyst II will be responsible for the ongoing program management of these same partnerships, ensuring ongoing compliance and supporting key stakeholders on expansion opportunities.

• Oversee the ongoing program management of Lead’s third party partners.

• Review policies and procedures to ensure alignment with best practices and FFIEC guidance.

• Perform periodic testing on third party partners ensuring compliance with their procedures.

• Be a front facing subject matter expert to the Bank’s fintech partners regarding trends.

• Perform onboarding risk reviews of both high risk clients and fintech partnerships.

• Perform ongoing EDD reviews for fintech partnerships including comprehensive risk assessments.

• 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 3-5 years of banking BSA experience with another financial institution or with another fintech.

• Preferred CBAP, CAFP, or CAMs certifications

• Preferred experience with Unit21, Verafin, or other technology focused AML software.

• Working knowledge of deposit accounts, lending, BIN sponsorships, cross border payments, and convertible virtual currencies along with their associated risks.

• 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 answer most complex client transactions, problems, and inquiries due to fraudulent activity.

• 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