Financial Crime Analyst

Job description

Flex is building the **AI-native private bank for business owners**. We’re re-architecting the entire financial system for entrepreneurs—from the first dollar a business earns to how that value compounds, moves, and is ultimately spent in real life. Banking, credit, payments, personal finance, and financial operations—rebuilt from the ground up as a single, intelligent system. **Flex is the full financial home for ambitious owners.** Since launching publicly in **September 2023**, Flex has scaled from **zero to nine-figure annualized revenue**, with a clear path to **profitability by late 2026**. We move fast, ship relentlessly, and operate with extreme ownership. Our customers are **affluent business owners ($3–$200M in revenue)**—the backbone of the economy and one of the most underserved segments in finance. They’re stuck with outdated banks and fragmented tools. We’re replacing all of it. The opportunity is massive: a **~$1T+ revenue market** hiding in plain sight. Our ambition is to build a **$100B+ company** by delivering a product that is fundamentally better—not incrementally improved. Flex has raised $100M+ in equity and $300M+ in debt. **- Mission-critical problems**: We build software that directly controls how money moves at scale. **- High bar, low ego**: Small teams, exceptional people, real ownership. **- Speed over comfort**: We prioritize execution, quality, clarity, and results. **- Enduring impact**: What we’re building will define how a generation of owners runs their businesses. **Team & Locations** We hire exceptional people who want to build hard things and see their work matter immediately. Roles are available in: San Francisco, Miami, New York, and fully remote. **Flex Fuels Ambition.** ## **About the Role** Flex is looking for a curious, detail-oriented analyst to join our Financial Crime team. In this role, you will be reviewing transaction monitoring alerts, conducting KYC due diligence, and helping keep our platform and our customers safe against money laundering, fraud, and other illicit activity. This is a great opportunity for someone early in their compliance career who wants to build deep expertise in a fast-paced fintech environment and grow into broader program responsibilities over time. ## **What You'll Do** Transaction Monitoring • Review and disposition transaction monitoring alerts, applying BSA/AML typologies to distinguish suspicious activity from false positives • Draft clear, well-supported case narratives and escalate higher-risk activity for supervisory review • Contribute to UAR/SAR filing support under the direction of senior team members KYC & Customer Due Diligence • Conduct KYC reviews for new and existing customers, verifying identity documents and assessing risk profiles • Identify customers that warrant enhanced due diligence (EDD) and flag for escalation • Maintain accurate, complete records in our case management system Program Support • Assist with periodic quality assurance and file reviews, including for our bank partner program • Help identify patterns or process gaps that could improve detection coverage or review efficiency • Participate in team training and stay current on evolving AML typologies and regulatory guidance ## What We're Looking For Required • 1–2 years of experience in BSA/AML compliance, fraud operations, or a related financial crimes role (internship or co-op experience considered) • Working knowledge of KYC/CDD requirements and BSA obligations • Strong written communication — you can explain why something is or isn't suspicious in plain language • High attention to detail and comfort working through ambiguous or incomplete information • Ability to manage a queue and prioritize effectively • Embody a growth mindset and bring a self-driven mentality to your work Nice to Have • Experience with a transaction monitoring platform (e.g., Sardine, Unit21, Actimize, or similar) • Exposure to fintech, payments, or BaaS program compliance • CAMS or other AML certification in progress or completed