Financial Crimes Risk Senior Data Analyst/Data Scientist

About the Company

Rain makes the next generation of payments possible across the globe. We’re a lean and mighty team of passionate builders and veteran founders. Our infrastructure makes stablecoins usable in the real-world by powering card transactions, cross-border payments, B2B purchases, remittances, and more. We partner with fintechs, neobanks, and institutions to help them launch solutions that are global, inclusive, and efficient. You will have the opportunity to deliver massive impact at a hypergrowth company that is funded by some of the top investors in fintech, crypto, and SaaS, including Sapphire Ventures, Norwest, Galaxy Ventures, Lightspeed, Khosla, and several more. If you’re curious, bold, and excited to help shape a borderless financial future, we’d love to talk.

About the Team

This role sits within Rain’s Financial Crimes Risk Management (FCRM) function and supports the data, technology, analytical, and reporting needs of the Financial Intelligence Unit (FIU).

The position plays a critical role in strengthening transaction monitoring, investigative analytics, and risk segmentation frameworks that underpin Rain’s financial crimes program. Reporting to the Director of Compliance Data & Analytics, this individual will work closely with FIU Investigations and Compliance leadership to enhance the effectiveness, scalability, and regulatory defensibility of monitoring controls across the organization.

What you’ll do

• Assist with tuning and optimizing transaction monitoring rules across card, ACH, wire, digital, asset activity

• Analyze alert, case, and transaction data to identify false positives, coverage gaps, and opportunities to improve detection quality

• Assist with managing and optimizing financial crime vendor configurations, including thresholds, matching logic, rulesets, risk settings, and workflows

• Support testing, backtesting, regression testing, and audits to ensure monitoring and screening controls operate as intended

• Translate investigative findings, emerging typologies, and regulatory requirements into scalable monitoring logic and technical controls

• Assist with developing internal compliance tools, workflows, dashboards, and automations that improve FIU and Compliance operations

• Partner with Investigations, Compliance, Engineering, and vendors to implement, validate, document, and continuously improve financial crime controls

You are likely to succeed if you have:

• 4–7+ years of experience in financial crimes analytics, compliance technology, fraud/risk analytics, or related roles within fintech, banking, payments, or digital assets

• Advanced SQL and strong Python skills, with experience analyzing large transaction datasets, automating workflows, and building reusable compliance tooling

• Hands-on experience tuning transaction monitoring rules, including thresholds, lookback periods, segmentation, exclusions, and behavioral indicators

• Experience managing and optimizing financial crime vendor settings, including screening thresholds, matching logic, risk parameters, rulesets, and workflows

• Experience testing and auditing transaction monitoring, KYC/KYB, sanctions, or screening controls through backtesting, regression testing, QA, and control effectiveness reviews

• Ability to evaluate monitoring performance using alert volumes, false-positive rates, escalation outcomes, precision/recall, and detection coverage

• Strong understanding of AML/BSA, transaction monitoring, sanctions, KYC/KYB, and the ability to independently translate risk requirements into scalable technical controls

• Hands-on experience with blockchain intelligence tools such as Chainalysis, TRM Labs, Elliptic, or similar platforms

Bonus attributes:

• Experience developing or deploying machine learning models for fraud, AML, transaction monitoring, anomaly detection, or customer risk

• Experience with graph analytics, network analysis, entity resolution, or behavioral modeling across transaction and customer datasets

• Experience building production-grade Python services, analytical pipelines, or detection frameworks beyond notebook-based analysis

• Familiarity with feature engineering, model evaluation, threshold optimization, precision/recall analysis, and model monitoring

• Experience working with large-scale data platforms and distributed processing frameworks such as BigQuery, Snowflake, Spark, or similar

• On-chain analytics, blockchain tracing, wallet clustering, or combining digital asset and traditional payments data for financial crime detection

• * Experience translating investigative findings or emerging typologies into scalable detection logic, models, or automated controls

Unlimited time off 🌴Unlimited vacation can be daunting, so we require Rainmakers to take 10 days minimum for themselves.

Flexible working ☕ We support a flexible workplace, if you feel comfortable at home please work from home. If you’d like to work with others in an office feel free to come in. We want everyone to be able to work in the environment in which they are their most confident and productive selves. New Rainmakers will have a stipend to create a comfortable atmosphere at home.

Easy to access benefits 🧠For US Rainmakers, we offer comprehensive health, dental and vision plans for you and your dependents, as well as a 100% company subsidized life insurance plan.

Retirement goals💡Plan for the future with confidence. We offer a 401(k) with a 4% company match.

Equity plan 📦 We offer every Rainmakers an equity option plan so we can all can benefit from our success.

Rain Cards 🌧️ We want Rainmakers to be knowledgeable about our core products and services. To support this mission, we issue a card for our team to utilize the card for testing.

Health and Wellness 📚 High performance begins from within. Rainmakers are welcome to use their card for eligible health and wellness spending like gym memberships/fitness classes, massages, acupuncture - whatever recharges you!

Team summits ✨ Summits play an important role at Rain! Time spent together helps us get to know each other, strengthen our relationships, and build a common destiny. Expect team and company offsites both domestically and internationally.