Job Description
Overview As a Senior AML Analyst, you'll work directly alongside the CCO to operate the AML/BSA compliance program day-to-day. This isn't a queue-clearing role at a large bank - you'll own the full transaction monitoring and investigation lifecycle for a stablecoin payment processor handling cross-border B2B flows.
Concretely, that means you'll be monitoring USD stablecoin settlement flows between US banks and international endpoints, analyzing on-chain transaction patterns through a blockchain analytics platform, investigating alerts that span fiat on-ramps, stablecoin transfers, and fiat off-ramps across multiple corridors, and preparing UARs for our sponsor bank partner. As Infinite obtains MTLs, you'll help transition to filing SARs directly with FinCEN.
You'll also have direct input into how we build: monitoring rule design, investigation playbooks, risk-scoring thresholds, and operational processes that will scale with the business.
What You'll Do Transaction Monitoring & Investigations Own daily alert triage across all supported stablecoin networks. Monitor for risk patterns specific to Infinite's verticals: structuring across payout batches, round-dollar anomalies, just-below-threshold transfers, and unusual geographic velocity.
Analyze volume-based triggers against expected activity profiles - flag sudden spikes, dormant account reactivation, and velocity rule exceptions. Conduct behavioral analysis by vertical, comparing customers against peer group patterns.
Execute the full investigation lifecycle: alert review, customer file review, on-chain and fiat transaction analysis, EDD when triggered, documentation, and escalation or closure.
Suspicious Activity Reporting Draft UARs for CCO review with the specificity our sponsor bank requires: transaction timelines, on-chain tx hashes, wallet addresses, counterparty info, and corridor context. Support SAR preparation as Infinite obtains MTLs and direct FinCEN filing obligations arise.
Ongoing Customer Due Diligence Execute risk-tiered CDD refreshes (annual/semi-annual/quarterly by risk level). Compare actual transaction volumes against onboarding expectations and flag material deviations - customers exceeding the $2.5M/month high-risk threshold, geographic shifts to prohibited jurisdictions, or undisclosed business pivots. Support quarterly portfolio risk analysis across Infinite's risk scoring matrix.
Compliance Operations & Program Building Contribute to monitoring rule design and threshold calibration across Infinite's verticals. Support KYB onboarding reviews, independent testing prep, and building the SOPs that will scale compliance.
What We're Looking For Required - 3-5 years AML/BSA experience in transaction monitoring, investigations, and SAR/UAR writing at a fintech, payments company, MSB, or bank
- Working knowledge of BSA/AML regs, FinCEN guidance (including virtual currency), OFAC sanctions, and FATF recommendations
- Hands-on experience with TMS alert triage, case management, and SLA-driven investigation queues
- Strong pattern recognition across fiat and digital asset transaction data with clear written narratives
- Understanding of cross-border payment flow AML risks
- Comfortable building processes in an early-stage environment
Preferred - CAMS, CFCS, or equivalent certification
- Blockchain analytics platform experience (CipherOwl, Chainalysis, Elliptic, TRM Labs)
- Familiarity with stablecoin settlement mechanics and associated compliance risks
- Experience at a company navigating MTL licensing or sponsor bank relationships
- Prior work with Middesk, Sanctions.io, or Socure RiskOS
- Exposure to US-LATAM, US-Africa, US-Europe, or US-Southeast Asia payment corridors
- Understanding of the GENIUS Act and evolving US stablecoin regulatory landscape
Why Infinite - Ground-floor impact: you'll build the playbooks and shape how compliance operates from seed through Series A
- Live transaction flows: Real cross-border stablecoin payments across LATAM, Africa, Europe, and Southeast Asia
- Modern stack: APIs and dashboards, not spreadsheets
- Regulatory moment: Joining as we go live with our sponsor bank, apply for MTLs, and navigate the evolving stablecoin landscape
- Equity upside: Meaningful early-stage equity in a tier 1 VC-backed company
- Direct mentorship: Work alongside a CCO with 15+ years of experience building compliance programs
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