---
title: 'Fraud & AML Analyst at Flourish'
canonical: 'https://feeny.ai/job/fraud-aml-analyst-flourish-new-york-9h70b1xf43ma'
type: 'job'
last_seen: '2026-10-14'
---

# Fraud & AML Analyst at Flourish

- **Company:** Flourish
- **Location:** New York, NY
- **Posted:** 2026-09-16
- **Last confirmed live:** 2026-10-14
- **Apply:** https://job-boards.greenhouse.io/flourish/jobs/6194723004

## Job description

Since 2017, Flourish has been on a mission to help financial advisors evolve from holistic advice to holistic implementation to better serve their clients and grow their businesses. We focus on independent Registered Investment Advisors (RIAs), delivering financial products that advisors can’t easily access today through beautiful, scalable, and easy-to-use technology.

Today, we work with over 1,100 RIAs that collectively represent more than $2.6T in assets under management across two products: Flourish Cash and Flourish Lending. Headquartered in New York City, we are an independently-operating, wholly-owned subsidiary of MassMutual Life Insurance Company.

Read on if you are interested in joining a dynamic, highly-collaborative, rapidly-growing startup—backed by the support and stability of a Fortune 500 company.

## About You

You are a thoughtful, analytical, and highly accountable professional who is comfortable operating at the intersection of fraud risk, anti-money laundering, and financial crime. You are naturally curious and enjoy digging into data, transactions, customer activity, and other available information to understand what happened and determine the appropriate response.

You exercise sound judgment and know when an issue requires urgency or escalation. You are comfortable making decisions with imperfect information, while maintaining thorough and precise documentation. You are also a critical thinker who looks beyond individual alerts and investigations to identify patterns, emerging risks, and opportunities to strengthen the broader Fraud and AML programs.

Most importantly, you are excited to join a collaborative team where you can develop deep expertise in financial crimes while helping Flourish continually evolve its controls as our business, products, risks, and regulatory obligations change.

## About the Role

As a Fraud and AML Analyst, you will be part of Flourish's Risk Team and will work closely with Flourish's Legal and Compliance Team to support the company's Fraud, Anti-Money Laundering ("AML"), Bank Secrecy Act ("BSA"), sanctions, and broader financial crimes programs.

You will be responsible for reviewing and investigating Fraud and AML alerts, analyzing customer and transaction activity, documenting investigative findings, and escalating potentially suspicious or higher-risk activity when appropriate. This includes supporting AML transaction monitoring and other reviews required under Flourish's AML, BSA, sanctions, and related compliance programs, as well as managing fraud alerts and investigations across the customer lifecycle.

The role requires both thoughtful analysis and the ability to act with urgency. Fraud investigations may involve active or attempted movement of customer or company assets, and you will be expected to quickly assess available information, identify potential risks, escalate appropriately, and help determine when additional controls or restrictions may be warranted.

Beyond individual investigations, you will help maintain and continuously improve Flourish's Fraud and AML monitoring programs. Working with the broader Risk and Legal and Compliance teams, you will analyze alert and investigation outcomes, evaluate the effectiveness of existing rules and thresholds, identify emerging fraud and financial crime risks, and help ensure Flourish's monitoring and controls continue to evolve alongside the company's risk profile and regulatory obligations.

Principal Responsibilities

As a Fraud and AML Analyst, you will collaborate with members of the Risk and Legal and Compliance teams, as well as internal business partners. Specific responsibilities include:

- Review and investigate Fraud and AML alerts, analyzing relevant customer information and activity to identify potential fraud, money laundering, sanctions concerns, or other financial crime risks.
- Conduct AML transaction monitoring and other reviews in support of Flourish’s AML, BSA, sanctions, and related compliance programs.
- Investigate potential fraud, document findings, and escalate higher-risk or time-sensitive matters appropriately.
- Support the ongoing maintenance and improvement of Fraud and AML monitoring rules and controls, including identifying trends, recurring patterns, and opportunities for improvement.
- Monitor emerging fraud and money laundering risks and relevant regulatory developments, and help the broader Risk and Legal and Compliance teams assess their potential impact on Flourish.
- Assist in developing and monitoring Fraud and AML risk assessments, metrics, business awareness, and education needs.
- Assist with internal audits, external reviews, regulatory inquiries, and examinations related to Fraud, AML, BSA, sanctions, and other financial crime matters.
- Work with teams across Flourish to investigate and address Fraud, AML, and other financial crime risks.

## Qualifications

- Bachelor's degree or equivalent relevant experience.
- 3+ years of experience in fraud, anti-money laundering, regulatory compliance, risk, operations, or a related function within financial services.
- Strong written and verbal communication skills, with the ability to prepare clear, precise, and thorough investigative documentation.
- Strong attention to detail and the ability to maintain accuracy while managing multiple priorities and time-sensitive matters.
- Strong analytical and critical-thinking skills, with the ability to evaluate information, identify potential risks, and reach well-supported conclusions.
- Sound judgment, including the ability to recognize when matters require additional investigation, escalation, or urgent attention.
- Willingness to learn and adapt to changing fraud risks, regulatory requirements, industry developments, and business needs.
- Highest ethical standards, strong work ethic, and a sense of ownership and accountability.
- Must be able to pass a background check required under FINRA rules.

## Preferred Qualifications

- Experience or familiarity with fraud investigations, AML transaction monitoring, customer due diligence, sanctions, or other financial crime reviews.
- Knowledge of or exposure to BSA/AML requirements and relevant FINRA, FinCEN, OFAC, or other financial services regulatory requirements.

At Flourish, we focus on ensuring fair, equitable pay by providing competitive salaries, along with bonus and incentive opportunities and benefits for all employees.

Base Salary Range: $70,900 - $93,000 plus bonus Disclosures:

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status.

## About Flourish

## Company Overview
- **One-liner**: Flourish provides a suite of financial products—cash management, lending, and annuities—designed exclusively for independent registered investment advisors (RIAs) to help them move from holistic advice to holistic implementation.
- **Entity Type**: Private (wholly-owned subsidiary of MassMutual, a Fortune 500 mutual insurance company)
- **Headquarters**: Boston, Massachusetts, USA
- **Founded**: 2017
- **Founders**: Not publicly available

## Core Business
- **Primary industry/industries**: Fintech, Wealth management infrastructure, Financial services
- **Target customers**: B2B – Registered Investment Advisors (RIAs) and their clients; also serves as a platform for advisors to offer cash, lending, and annuity products.
- **Mission or purpose statement**: “Flourish helps RIAs grow by evolving from holistic advice to holistic implementation.”

## Products & Services
- **Flourish Cash**: An invitation-only cash account offering high-yield savings (currently 3.25% APY) with up to 30x FDIC insurance through a network of program banks. No fees, no minimums, integrated with key advisor tools. Type: Fintech service (cash management).
- **Flourish Lending**: A premium mortgage and refinancing platform that gives clients access to competitive rates and an optimized process. Helps advisors defend portfolio assets, win prospects, and deliver client value. Type: Service (mortgage brokerage, offered through SoraFinance, Inc., NMLS #2355841).
- **Flourish Annuities**: An annuity platform that streamlines the purchase and management of annuities for RIA clients. Type: Service (insurance product platform).

## Market Standing
- **Valuation/Market Cap**: Not disclosed (privately held, fully owned by MassMutual)
- **Key Metric**: Over $8 billion in assets on the platform (as of 2026); 100+ employees; founded in 2017.
- **Notable Investors/Partners**: Backed by MassMutual (Massachusetts Mutual Life Insurance Company) – a Fortune 500 company with over $250 billion in assets.
- **Growth Signals**:
  - Consistently recognized as a top wealth management fintech (e.g., Highest-Rated Cash Management Service 2020-2025 by RIA Intel Awards; Best Wealth Management Solution 2025 by Finovate Awards).
  - Active hiring: 8+ open positions across sales, engineering, marketing, and operations (as of mid-2026).
  - Hybrid work model (Boston area) with team lunches and outdoor terrace, indicating continued investment in culture.

## Competitive Advantages
- **Backed by MassMutual** – combines startup agility with the stability, capital, and trust of a century-old Fortune 500 financial institution.
- **Deeply integrated with the RIA ecosystem** – products are custom-designed for independent advisors and connect with key advisor tools (e.g., portfolio management systems).
- **Invite-only premium positioning** – Flourish Cash offers rates up to 3.25% APY (vs. national average ~0.4%) with up to 30x FDIC coverage, creating a strong value proposition for high-net-worth clients.
- **End-to-end implementation** – goes beyond advice by providing the actual financial products (cash, lending, annuities), helping advisors keep assets under management.

## Strategic Focus
- **Expand the lending and cash management platform** to deepen advisor relationships and attract new RIAs.
- **Continue to develop annuity offerings** as part of the holistic implementation suite.
- **Maintain and grow the institutional partnership with MassMutual** to gain distribution and credibility.
- **Scale the team** with a focus on engineering, product, and client support to support $8B+ in assets and growing.

## Why Work Here
- **Hybrid work environment** – most roles are based in Boston with a hybrid schedule (typically Tuesday–Thursday in office). The office includes a spacious outdoor terrace and team lunches.
- **Comprehensive benefits** – competitive pay, generous time off, health/vision/dental insurance, 401(k) match.
- **Culture of ownership and iteration** – the company values “focus on execution,” “take ownership,” “iterate,” and “stay humble.” Feedback is encouraged, egos are checked at the door.
- **Supportive growth** – as a subsidiary of MassMutual, employees get the stability of a large enterprise with the autonomy of a startup. Many roles involve direct impact on product and client experience.
- **Diverse team** – Flourish states they value diversity and are building an organization that reflects different backgrounds. Open and positive communication is a core principle.

## Sources
1. [Flourish Careers Page](https://info.flourish.com/careers)
2. [Flourish About Page](https://info.flourish.com/about)
3. [Flourish LinkedIn](https://www.linkedin.com/company/flourish-dot-com)
4. [Built In Boston – Flourish Profile](https://builtin.com/company/flourish)
5. [Flourish Greenhouse Careers Portal (provided by user)](https://job-boards.greenhouse.io/flourish)

## Other roles at Flourish

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