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LemFi is a Series B fintech building a financial platform for the Global South, enabling immigrants to access remittances, multi-currency accounts, payments, credit, and wealth-building tools. The company processes over $1B in monthly transactions across 30+ countries and serves millions of users globally.
As a Fincrime Analyst / Rules Modeller, you will own the tuning, thresholds, and risk-scoring logic that detect sanctions breaches, money laundering, and fraud across LemFi's platform. You are the bridge between financial-crime risk and the systems that detect it, working on a small, senior team within the Fincrime Product group.
Key responsibilities include:
- Tune and maintain risk-scoring parameters, transaction-monitoring rules, and screening match thresholds to reduce false positives while preserving coverage; document all changes with audit-ready evidence.
- Analyse alert output and case feedback to recommend, test, and implement threshold and logic changes; conduct above-the-line / below-the-line testing and periodic tuning cycles.
- Translate emerging money-laundering, sanctions-evasion, and fraud typologies into detection scenarios and rules with clear written rationale and coverage assessments across LemFi's cross-border corridors.
- Tune name and entity matching logic for sanctions, PEP, and adverse-media screening across onboarding and ongoing checks; maintain customer and transaction risk-scoring segmentation aligned to risk appetite.
- Build and interpret management information on alert volumes, false-positive rates, and conversion to cases and SARs; produce tuning reports for leadership, auditors, and regulators.
- Partner with Product and Engineering to specify changes, with Investigations for feedback loops, and with Compliance and the MLRO for policy and risk-appetite alignment.
- Support internal audit, model-validation exercises, and regulatory exams with a maintained, evidence-backed change log.
Your tuning directly shapes both operational cost and regulatory posture across 21+ countries and dozens of corridors.
REQUIREMENTS:
- 3–5 years in financial crime (transaction monitoring, sanctions screening, and/or fraud) at a bank, fintech, payments provider, or PSP.
- Hands-on experience configuring or tuning transaction-monitoring and/or screening systems: rules, scenarios, matching logic, or thresholds (not just reviewing outputs).
- Solid working knowledge of AML/CTF, sanctions, and fraud typologies and regulatory expectations around monitoring and screening governance.
- Comfortable working with data: reading and interpreting alert and transaction data, slicing it in spreadsheets, and using basic SQL to pull what you need (or a clear appetite to build that skill quickly).
- Strong analytical and documentation skills; able to evidence and defend a tuning decision to an auditor or examiner in plain language.
- Clear communicator who can translate between risk and systems, working across compliance, product, and engineering without losing accuracy.
NICE TO HAVE:
- Experience in cross-border remittance, multi-corridor payments, or a PSP operating across multiple jurisdictions.
- Exposure to specific transaction-monitoring or screening vendors, and/or familiarity with Python or analysis notebooks.
- Experience directly supporting internal audits or regulatory examinations.
