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Salary: USD 100,000 - 135,000 / annual
Privacy.com is a virtual card platform protecting 250,000+ users across the U.S., processing over $3 billion in transactions with bank-level security. The company operates a dedicated compliance program and is hiring a Compliance Analyst to own day-to-day BSA/AML compliance operations, enabling compliance leadership to focus on strategic program development and bank partner relationship management.
In this hands-on operational role, you will:
• Conduct KYC and KYB reviews — perform identity verification, beneficial ownership analysis, and use-case-driven risk assessment for consumer and business customers, documenting clearance rationale to examination-ready standards.
• Disposition sanctions screening alerts — review and disposition OFAC/sanctions, PEP, and adverse media alerts with appropriate escalation, maintaining complete case documentation and monthly reporting logs.
• Investigate transaction monitoring alerts — work Privacy-specific alert queues, conduct investigations, and prepare UARs for submission to the partner bank within established SLAs.
• Execute Enhanced Due Diligence (EDD) — manage reviews for high-risk customers, including trigger-based and periodic reviews aligned to customer risk tier.
• Own regulatory and bank partner reporting — prepare and submit recurring bank partner reporting deliverables, including monthly OFAC/sanctions logs, complaint reporting, CIP reporting, and fraud, dispute, and support metrics.
• Process 314(a) and law enforcement requests — execute FinCEN 314(a) list searches under Privacy's dedicated procedure, document results, and support law enforcement inquiry responses.
• Track and report program metrics — maintain compliance metrics, tracking logs, and KPI reporting for internal governance and bank partner review.
• Support bank partner and audit requests — support responses to partner bank RFIs, audit inquiries, and examination requests with well-organized documentation.
• Contribute to policy and procedure development — draft and refine SOPs based on operational experience; flag gaps between documented procedure and actual practice.
• Advance compliance technology projects — support integration and optimization of IDV, screening, case management, and workflow automation stack, including quality assurance on AI-assisted review workflows.
Privacy is part of Lithic, a Series C company backed by Bessemer Venture Partners, Index Ventures, Spark Capital, Stripes, and Mastercard. The organization spans 170+ people across 26 states and 7 countries, headquartered in New York City.
REQUIREMENTS:
Must Have:
• 2+ years of BSA/AML compliance experience in fintech, payments, or a bank-partnered environment (3–5 years preferred)
• Hands-on KYC/KYB review experience, including CIP decisioning and documentation of clearance rationale
• Transaction monitoring and investigation experience, including narrative writing for UARs or SARs
• Working knowledge of BSA/AML regulatory requirements, including CIP (31 CFR 1020.220), the CDD Rule (31 CFR 1010.230), and OFAC sanctions obligations
• Experience preparing regulatory or bank partner reporting deliverables (e.g., OFAC logs, complaint reports, compliance metrics) on recurring submission cadences
• Strong analytical skills and exceptional written documentation — case records must hold up to bank partner and examiner scrutiny
• Self-starter who works independently in a remote environment and knows when to escalate
Nice to Have:
• CAMS certification or actively working toward it
• Direct UAR preparation experience in a sponsor bank / program manager environment
• Experience with modern IDV and case management platforms (e.g., Persona) and internal tooling (e.g., Retool)
• Exposure to Enhanced Due Diligence programs and customer risk rating methodologies
• SQL or data analysis skills applicable to alert investigation and metrics reporting
• Experience documenting and defending AI-assisted compliance decisions
