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About Lead Bank

Lead is a fintech infrastructure platform enabling innovative companies to build complex financial products such as payments, lending, and digital assets securely and at scale. It is a developer-focused, API-first partner bank with expertise in banking, compliance, and regulation. Operating from offices in San Francisco, Sunnyvale, New York City, and an FDIC-insured bank in Kansas City, Lead supports the next generation of embedded banking experiences.

Financial Crimes Team Overview

The Financial Crimes team protects Lead, its partners, and the broader financial system from illicit activities. Responsible for BSA/AML, sanctions, and fraud programs, this team collaborates with Legal, Risk, and Compliance to identify threats and improve controls, while also maintaining regulator relationships. Their work assures all stakeholders adhere to the highest standards of financial integrity, supporting Lead's commitment to innovative fintech partnerships. This role demands analytical rigor, autonomy, and adaptability in a deadline-driven, collaborative environment.

Role Responsibilities

Investigate suspicious activities reported by bank personnel.
Manage and resolve client transactions, issues, and inquiries related to potentially fraudulent activity.
Handle daily, weekly, and monthly alerts through Lead Banks' BSA software.
Prepare detailed Suspicious Activity Reports (SARs), documenting narratives, customer statements, due diligence files, and transaction images.
Support filing of Currency Transaction Reports (CTRs) as required.
Assist in training BSA Specialists when needed.
Stay knowledgeable on compliance laws including the Bank Secrecy Act, USA PATRIOT Act, and OFAC regulations.
Perform additional duties as assigned.

Qualifications

Minimum 1-2 years of BSA experience at a financial institution or fintech firm.
Self-motivated and able to perform well within a deadline-driven team environment.
Strong analytical abilities to address complex client concerns involving fraudulent activity.
Excellent communication skills to collaborate across Lead Bank departments.
Curious, humble, open to growth, and eager to learn.
Thrives in a dynamic setting requiring high autonomy.
Enjoys working collaboratively to deliver efficient and optimal results.
Exemplifies a growth mindset and proactive work ethic.

Compensation and Benefits

Competitive salary ranges based on experience and location.
Comprehensive medical, dental, vision, life insurance, 401k matching, and wellness programs including FSA, HSA, and HRA options.
Paid parental leave and flexible vacation policy with paid holidays.
Engaging, challenging team environment with opportunities for career advancement.
Committed to equal employment opportunity regardless of race, gender, age, disability, or other protected status, with accommodations available.
Employment consideration includes applicants with arrest and conviction records, respecting relevant Fair Chance Ordinances.

Salary Bands by Location

Zone 1 (San Francisco Bay Area, New York City, Seattle): $74,000 - $87,000 annually
Zone 2 (Los Angeles, Chicago, Austin, Denver, Boston, Washington DC, San Diego, Philadelphia, Portland, Sacramento, Miami): $61,000 - $72,000 annually
Zone 3 (Other US Metropolitan Areas): $55,000 - $65,000 annually

Financial Crimes Analyst I