Compliance Analyst, ERM

United States

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$80,000 – $90,000Compensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Financial ServicesIndustries

Requirements

Candidates should possess at least 2 years of financial crimes experience and 2 years of risk management experience within the financial services sector. Prior experience in professional services, fintech, or financial services is required, along with an ACAMS designation. A strong understanding of financial laws and regulations, particularly in financial crimes, third-party risk management, and model risk management, is essential. Exceptional communication skills are also necessary.

Responsibilities

The Compliance Analyst will collaborate with business partners to develop and implement internal controls, conduct anti-money laundering transaction monitoring, and investigate cases. Responsibilities include evaluating politically exposed persons and sanctions alerts, enhancing compliance and risk management programs, and assessing regulatory applicability to products and services. The role involves executing projects within timeframes, monitoring adherence to policies, testing control effectiveness, assisting with corrective actions, and supporting cross-functional compliance and ERM assignments.

Skills

Enterprise Risk Management (ERM)

Internal Controls

Anti-money laundering (AML)

Transaction Monitoring

Sanctions Screening

Regulatory Compliance

Risk Management

Policy Development

Process Improvement

EarnIn

Provides early wage access without fees

About EarnIn

Earnin allows individuals to access their earned wages before payday without any fees or interest. Users can cash out a portion of their earnings and benefit from features like the "Balance Shield," which helps maintain their bank account balance. Unlike traditional financial institutions, Earnin operates on a model where users choose how much to pay for the service, fostering a community-driven approach. The company's goal is to create a fairer financial system that prioritizes accessibility and mutual support.

Palo Alto, CaliforniaHeadquarters

2012Year Founded

$184.9MTotal Funding

SERIES_CCompany Stage

FintechIndustries

201-500Employees

Benefits

Life in balance - Ten company holidays and flexible time off so you can rest and recharge when you need it most. With pay, no catch.

Family matters - When your family grows, we want your focus on them. Our generous parental leave policy and wellness funds make it easy to put yourself and loved ones first.

Learn & grow - A commitment to career development that includes regular training for team members and managers alike, 360 feedback, and an annual stipend for growth opportunities.

Company culture - Employee Resource Groups provide growth opportunities and allow you to create the company you want to work at (more on that below).

Health & wellness - Flexible healthcare options across medical, dental, and vision—and a free Employee Assistance program offering mental health resources and legal advice.

Save & support - Includes Earnin’s 401(K) and FSA plans with tax advantages for retirement, healthcare, and dependent care expenses.

Risks

Legal challenges from deceptive lending allegations could harm Earnin's reputation.

Increased competition in early wage access may impact Earnin's market share.

Reliance on voluntary contributions may not sustain long-term revenue.

Differentiation

Earnin offers fee-free early wage access, unlike traditional payday loans.

Users choose their payment amount, fostering a community-driven financial model.

Balance Shield feature provides automatic deposits to prevent overdrafts.

Upsides

Earnin has facilitated over $15 billion in earnings access since 2013.

Recognition as Best Payments App highlights Earnin's fintech innovation.

Partnerships with gig platforms could expand Earnin's user base.

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