---
title: 'Senior AML Analyst at Lithic'
canonical: 'https://feeny.ai/job/senior-aml-analyst-lithic-remote-v08hja696fbz'
type: 'job'
last_seen: '2026-09-10'
---

# Senior AML Analyst at Lithic

- **Company:** Lithic
- **Location:** Remote
- **Work type:** remote
- **Posted:** 2026-06-29
- **Last confirmed live:** 2026-09-10
- **Apply:** https://job-boards.greenhouse.io/lithic/jobs/6104066004

## Job description

Lithic is the modern card issuing and processing platform empowering ambitious financial companies to build the future of payments.

Our infrastructure powers card programs for 100+ innovative clients, from fintechs reimagining credit and digital banking to platforms transforming disbursements and spend management. Companies like Mercury, Flex, and Novo rely on Lithic's developer-friendly APIs, direct network connections, and flawless reconciliation to launch and scale card programs in weeks, not years.

We're building a future where access to better financial products materially improves people's lives, free from the constraints of 30-year-old mainframes and legacy processors. We're proud to be backed by world-class investors who share that vision, including Bessemer Venture Partners, Index Ventures, Spark Capital, Stripes, and Mastercard, along with many others.

We're a team of 170+ across 26 states and 7 countries, headquartered in New York City.

Lithic is the modern card issuing and processing platform empowering ambitious financial companies to build the future of payments.

Our infrastructure powers card programs for 100+ innovative clients, from fintechs reimagining credit and digital banking to platforms transforming disbursements and spend management. Companies like Mercury, Flex, and Novo rely on Lithic's developer-friendly APIs, direct network connections, and flawless reconciliation to launch and scale card programs in weeks, not years.

We're building a future where access to better financial products materially improves people's lives, free from the constraints of 30-year-old mainframes and legacy processors. We're proud to be backed by world-class investors who share that vision, including Bessemer Venture Partners, Index Ventures, Spark Capital, Stripes, and Mastercard, along with many others.

We're a team of 170+ across 26 states and 7 countries, headquartered in New York City.

Our Risk & Compliance team is hiring a Senior AML Analyst who will improve the effectiveness, resilience, and scalability of our financial monitoring program. You will own Lithic's AML and financial crime monitoring program at the SOP and monitoring-engine level, and you will be the person who turns our agentic monitoring and investigation tooling into realized, defensible capacity. This is an ownership role, not purely a queue-based execution role: you’ll certainly handle escalations, exceptions, and perform population sampling, but the goal is routine, documented volume is increasingly absorbed by automation, and you own the design, tuning, and exception handling that sit around it.

## What You’ll Do

- Own and continuously improve the AML and financial crime transaction monitoring SOPs, keeping them aligned to current regulatory requirements, evolving typologies, and operational reality
- Own the feedback loop into Lithic's monitoring engine: partner with your Analytics, Engineering, and Product peers to evaluate alert logic, assess rule and scenario effectiveness, and tune thresholds to reduce false positives while preserving coverage
- Lead the testing, deployment, and tuning of agentic transaction monitoring and investigation solutions, including documenting the investigative context the tooling needs to produce repeatable, examiner-ready output
- Investigate complex suspicious activity independently and prepare high-quality SARs and UARs; own escalations and the judgment-heavy cases automation cannot close unattended
- Supervise and quality-check alert review and investigative output, including AI-assisted output, so decisions hold up to bank partner and regulatory scrutiny
- Synthesize monitoring performance data, operational trends, and emerging financial crime risks into actionable program insights, and define and influence AML KPIs and KRIs
- Lead governance preparation for relevant oversight forums and support bank partner and exam-readiness deliverables
- Train and mentor analysts on investigations, money laundering typologies, and the agentic tooling, so program knowledge scales beyond any one person

## What You'll Need

- 3+ years of AML/BSA and transaction monitoring experience in fintech, payments, or a bank-partnered environment
- Demonstrated ownership of end-to-end AML programs or work streams with limited guidance, including authoring and maintaining SOPs and preparing governance materials
- Deep knowledge of money laundering typologies and emerging financial crime trends, with the ability to investigate complex activity and prepare high-quality SARs and UARs independently
- Hands-on experience evaluating alert logic and assessing or tuning transaction monitoring rules and scenarios for effectiveness
- Comfort working with AI-assisted or agentic tooling, including how to test, tune, document, and defend AI-assisted decisions to bank partners and regulators
- Self-starter who can create structure where none exists and knows when to escalate and collaborate
- Strong written and verbal communication
- Solid grasp of the BSA/AML regulatory framework (USA PATRIOT Act, OFAC and sanctions, SAR requirements)

## Nice to Have

- CAMS or CFE (preferred, or willing to obtain)
- Experience deploying or tuning AI, automation, or agentic tooling in a compliance or investigations context
- Experience with OSINT tooling and SQL or Snowflake for investigative data retrieval
- Card issuing, payments, or fintech experience with exposure to sponsor bank relationships
- Background in high-risk verticals (MRBs, crypto-adjacent businesses, or similar)

Base Salary: $65,000 - $110,000

This is a remote position. However, candidates must be located in the United States. We do not offer visa sponsorship or assistance. Benefits for Full-Time US Employees:

- Unlimited PTO
- 12-weeks fully paid parental leave
- 4-Week Fully Paid Sabbatical (earned at your 5-year anniversary)
- Work From Anywhere: work from anywhere in the world 4-weeks each year
- 3% cashback on card purchases with your complimentary [Privacy.com](http://Privacy.com) employee account
- Health, vision, and dental insurance; HSA Contribution Match
- 401(k) match
- Voluntary Life Insurance and STD/LTD

NYC-based employees work from our SoHo office three days a week. Tuesdays and Thursdays are our core days, and you'll choose a third day that works for your schedule and team needs.

In-office employees receive:

- Commuter benefit
- Catered lunch every Tuesday and Thursday

## About Lithic

## Company Overview
- **One-liner**: Lithic provides a modern, developer-friendly card issuing and money movement platform that enables fintechs, banks, and software companies to launch and scale debit, credit, and prepaid card programs.
- **Entity Type**: Private (Series C, $115.4M total funding)
- **Headquarters**: New York, New York, United States
- **Founded**: 2014 (as Privacy.com); Lithic spun out in 2021
- **Founders**: Bo Jiang (CEO), David Nichols (CDO), Jason Kruse (CTO)

## Core Business
- Primary industry: Payments infrastructure / Card issuing processing
- Target customers: B2B – fintech companies, digital banks, software companies, and enterprises launching card programs
- Mission: “Access to better financial products materially improves people’s lives.” Focus on replacing legacy issuer processors with a modern, API-first stack.

## Products & Services
- **Card Issuing Platform**: Programmable APIs for issuing debit, credit, and prepaid cards (virtual and physical) with features like instant issuance, tokenization, and custom card printing.
- **Money Movement**: ACH and wire transfers, multi-currency support, precise debit/credit ledgers, and settlement APIs.
- **Risk & Fraud Mitigation**: End-to-end disputes and chargeback resolution, identity verification, tokenization control, and configurable fraud rules.
- **Compliance & Program Management**: SOC 1 Type 1, SOC 2 Type 2, PCI DSS, and ISO 27001 certified; optional managed services for bank/network/regulatory compliance.
- **Developer Tools**: Well-documented APIs, sandbox environment, and dashboard for real-time monitoring and configuration.

## Market Standing
- **Valuation**: Not publicly disclosed
- **Key Metric**: $115.4M total funding (Seed, Series A, B, C); annual revenue estimated at $10M (LinkedIn, as of 2025)
- **Notable Investors**: Index Ventures (seed lead), Teamworthy Ventures (Series A lead), Bessemer Venture Partners (Series B lead), Stripes (Series C lead)
- **Growth Signals**: 130 employees (+19.3% YoY), 100+ clients processing billions in transactions, recognition on CB Insights Fintech 250 (2022), Tearsheet Embedded Awards Best Card Issuing Platform (2022), GGV Capital Fintech Innovation Top 50 (2023 & 2024)

## Competitive Advantages
- **Developer-first API**: Built by engineers who experienced legacy processor pain; focus on speed-to-market, no scheduled downtime, and 99.99%+ uptime.
- **Direct network connections**: Direct links to card networks and Federal Reserve, enabling flawless reconciliation and reliability.
- **Modular service options**: Clients can choose full program management or a self-service “Processor Client” model, retaining their own bank relationships.
- **Security & compliance**: SOC/PCI/ISO certifications with no scheduled downtime – rare in payments infrastructure.

## Strategic Focus
- Scale globally by expanding into new geographies and multi-currency capabilities.
- Deepen integrations with banks and networks to offer more flexibility (e.g., Visa’s latest API for faster cardholder upgrades).
- Continue building out the platform to handle higher transaction volumes and more complex use cases (credit, disbursements, digital banking).

## Why Work Here
- **Culture**: Values include “Iterate,” “Customer Centricity,” “Deliver Excellence,” and “Act Like an Owner.” High autonomy and ownership expected.
- **Remote-friendly**: Remote-first policy with a strong Slack culture (1,000+ custom emojis). Offices in New York and Ontario, Canada.
- **Benefits**: 12 weeks paid family leave, full vision/dental/health insurance, competitive compensation with equity, 401k matching, flexible PTO, and 3% cash back on Privacy.com cards.
- **Engineering culture**: Mission-critical infrastructure work; high standards and ambitious goals. Teams are small and leverage-driven.
- **Growth**: 80% YoY increase in job postings; recent openings include Engineering Manager, Senior Software Engineer, Product Delivery Specialist, and Risk/Compliance roles.

## Sources
1. [lithic.com](https://www.lithic.com/)
2. [lithic.com/about](https://www.lithic.com/about)
3. [lithic.com/about/careers](https://www.lithic.com/about/careers)
4. [linkedin.com](https://www.linkedin.com/company/lithic)
5. [greenhouse.io](https://job-boards.greenhouse.io/lithic)

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