Job Overview
We are seeking a proactive, detail-oriented AML Compliance Analyst to join our dynamic compliance team at Unbank. In this vital role, you will be at the forefront of safeguarding our cash-to-crypto network against financial crimes. You will ensure strict adherence to anti-money laundering (AML) regulations, Bank Secrecy Act (BSA) requirements, and cryptocurrency industry standards.
Your expertise will help maintain the integrity of our Bitcoin ATM (BTM) operations, support compliance initiatives, and mitigate risks associated with decentralized digital assets. This position offers an exciting opportunity to apply your analytical skills and blockchain knowledge in a fast-paced, evolving crypto-compliance setting.
Duties & Responsibilities
Transaction Monitoring: Conduct thorough reviews of cash-to-crypto transactions and wallet activities across our BTM network to identify suspicious patterns, structuring, or potential AML violations.
Blockchain Analytics: Utilize blockchain forensics tools to trace source/destination of funds and investigate high risk wallet addresses.
Anomalies & Modeling: Assist in developing and refining risk-scoring models to detect anomalies unique to BTM usage, such as rapid multi-kiosk structuring or elder financial exploitation.
Policy Implementation: Collaborate with internal compliance and operations teams to implement effective AML/KYC (Know Your Customer) policies tailored to physical kiosk hardware and user flows.
Regulatory Tracking: Monitor FinCEN, state money transmitter regulations (MTLs), and evolving digital asset compliance requirements to ensure Unbank’s practices stay ahead of the curve.
Reporting & Filing: Prepare and file accurate Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs) in compliance with federal and state mandates.
Audit Support: Assist in conducting internal audits, regulatory examinations, and law enforcement response investigations.
Record Keeping: Maintain meticulous, audit-ready records of all compliance investigations, EDD (Enhanced Due Diligence) findings, and reporting documentation.
Requirements & Qualifications
Experience: Proven experience in financial analysis or compliance, ideally within a Money Services Business (MSB), crypto exchange, or Bitcoin ATM operator.
Crypto Expertise: Strong understanding of blockchain mechanics, wallet architectures, and transaction flows.
Compliance Tools: Familiarity with blockchain analytics platforms (e.g., Chainalysis, TRM Labs, Elliptic, CipherTrace) and standard BTM transaction monitoring software.
Regulatory Knowledge: Deep knowledge of the Bank Secrecy Act (BSA), USA PATRIOT Act, FinCEN regulations for MSBs, and state-level Money Transmitter Laws.
Fraud Typology Awareness: Sharp understanding of modern crypto-related fraud and scams (e.g., pig butchering, tech support scams, ransomware, and mule networks).
Analytical Skills: Excellent data analysis skills with the ability to interpret large volumes of transaction logs and cash handling data accurately.
Core Competencies: Exceptional attention to detail, strong ethical judgment, and a demonstrated commitment to financial compliance in a rapidly evolving regulatory landscape.
Preferred Certifications: CAMS (Certified Anti-Money Laundering Specialist) or a cryptocurrency-specific compliance certification (e.g., CCAS, CBP) is highly desirable.
Pay: From $60,000.00 per year
Benefits:
- 401(k) matching
- Dental insurance
- Health insurance
- Health savings account
- Life insurance
- On-the-job training
- Paid time off
- Profit sharing
- Vision insurance
Work Location: In person
