Financial Crimes & Risk Data Analyst

Job description

About the Company Rain is the global stablecoin payments platform for enterprises, neobanks, platforms, developers, and AI agents. Our technology allows partners to move, store, and use stablecoins instantly and compliantly through global payment cards, rewards, on/offramps, wallets, and cross-border rails. As both a Visa and Mastercard Principal Member, Rain issues cards that work at more than 175 million merchant locations in over 220 countries and territories. Built natively for stablecoins and trusted by more than 100 organizations worldwide, Rain delivers secure, scalable infrastructure that makes money move freely and instantly around the world. You will have the opportunity to deliver massive impact at a hypergrowth company backed by some of the top investors in fintech, crypto, and SaaS. In January 2026, we closed a $250M Series C led by ICONIQ, valuing Rain at $1.95B, with Sapphire Ventures, Dragonfly, Bessemer Venture Partners, Galaxy Ventures, FirstMark, Lightspeed, Norwest, and Endeavor Catalyst also participating. If you're curious, bold, and excited to help shape a borderless financial future, we'd love to talk. Our Ethos We believe in an open and flat structure. You will be able to grow into the role that most aligns with your goals. Our team members at all levels have the freedom to explore ideas and impact the roadmap and vision of our company. 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 in continuously improving transaction monitoring rules across card, ACH, wire, and digital asset activity to increase detection quality and reduce false positives - Conduct deep-dive investigations into emerging risk patterns and convert findings into scalable, production-ready monitoring logic - Analyze alert and case data to evaluate rule performance (e.g., false positive rates, alert-to-case conversion, escalation outcomes) and recommend data-driven optimizations - Partner with Compliance Investigations to identify typologies and ensure monitoring logic reflects real-world risk signals and regulatory expectations - Support the design and refinement of onboarding and KYC/KYB risk segmentation frameworks - Build and maintain dashboards and recurring reporting that provide visibility into rule effectiveness, operational efficiency, and overall risk exposure - Perform ad hoc risk analyses across customer cohorts, geographies, products, and transaction behaviors to identify outliers or control gaps You are likely to succeed if you have: - 2–4+ years of experience in risk analytics, financial crimes analytics, compliance data, fraud analytics, or related fields (fintech, banking, or payments preferred) - Hands-on experience with blockchain intelligence tools such as Chainalysis, TRM Labs, Elliptic, or similar platforms - Strong SQL skills (ability to write complex joins, aggregations, window functions, and performance-optimized queries on large datasets) - Experience analyzing transaction-level data and building or optimizing rule-based monitoring logic - Familiarity with AML/BSA concepts and transaction monitoring frameworks - Ability to translate ambiguous regulatory requirements into structured, data-driven logic - Strong analytical thinking and ability to independently structure open-ended problems Bonus attributes: - Python experience (pandas, Polars, or similar) for deeper analysis and automation - Familiarity with KYC/KYB vendors (e.g., Sumsub, Alloy, Persona, etc.) - Experience designing Retool workflows, internal tools, or compliance dashboards - Exposure to card network data, ACH flows, wire transactions, or digital asset monitoring - Experience supporting regulatory exams or external audits Things that enable a fulfilling, healthy and happy experience at Rain: 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 – work from home, come into an office, or both. We want everyone to work in an environment where they're their most confident and productive selves. New Rainmakers receive a stipend to set up a comfortable home workspace. Easy to access benefits 🧠 For US Rainmakers, we cover 95% of your health, dental, and vision plan costs and 90% for your dependents, plus 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 📦 Every Rainmaker gets an equity option plan so we all benefit from our success. Health and Wellness 📚 High performance begins from within. Rainmakers receive a monthly stipend to be used for eligible health and wellness spending like gym memberships/fitness classes, massages, acupuncture - whatever recharges you! In-office meals 🍜 Rainmakers working from the office enjoy lunch and dinner on us, covered with a DoorDash credit. Team summits ✨ Summits play an important role at Rain. Time together helps us build relationships and a common destiny. Expect team and company offsites, both domestic and international.