Financial Crimes Risk Senior Data Analyst/Data Scientist

Rain makes the next generation of payments possible across the globe, powering card transactions, cross-border payments, B2B purchases, remittances, and more through stablecoins. As a Financial Crimes Risk Senior Data Analyst/Data Scientist, you'll join the Financial Crimes Risk Management (FCRM) function and support the Financial Intelligence Unit (FIU). Reporting to the Director of Compliance Data & Analytics, you'll strengthen transaction monitoring, investigative analytics, and risk segmentation frameworks that underpin Rain's financial crimes program.

What you'll do

• Tune and optimize transaction monitoring rules across card, ACH, wire, digital, and asset activity
• Analyze alert, case, and transaction data to identify false positives, coverage gaps, and opportunities to improve detection quality
• Manage and optimize financial crime vendor configurations, including thresholds, matching logic, rulesets, risk settings, and workflows
• Support testing, backtesting, regression testing, and audits to ensure monitoring and screening controls operate as intended
• Translate investigative findings, emerging typologies, and regulatory requirements into scalable monitoring logic and technical controls
• Develop internal compliance tools, workflows, dashboards, and automations that improve FIU and Compliance operations
• Partner with Investigations, Compliance, Engineering, and vendors to implement, validate, document, and continuously improve financial crime controls

What you bring

• 4-7+ years of experience in financial crimes analytics, compliance technology, fraud/risk analytics, or related roles within fintech, banking, payments, or digital assets
• Advanced SQL and strong Python skills, with experience analyzing large transaction datasets, automating workflows, and building reusable compliance tooling
• Hands-on experience tuning transaction monitoring rules, including thresholds, lookback periods, segmentation, exclusions, and behavioral indicators
• Experience managing and optimizing financial crime vendor settings, including screening thresholds, matching logic, risk parameters, rulesets, and workflows
• Experience testing and auditing transaction monitoring, KYC/KYB, sanctions, or screening controls through backtesting, regression testing, QA, and control effectiveness reviews
• Ability to evaluate monitoring performance using alert volumes, false-positive rates, escalation outcomes, precision/recall, and detection coverage
• Strong understanding of AML/BSA, transaction monitoring, sanctions, KYC/KYB, and the ability to independently translate risk requirements into scalable technical controls
• Hands-on experience with blockchain intelligence tools such as Chainalysis, TRM Labs, Elliptic, or similar platforms

Nice to have

• Experience developing or deploying machine learning models for fraud, AML, transaction monitoring, anomaly detection, or customer risk
• Experience with graph analytics, network analysis, entity resolution, or behavioral modeling across transaction and customer datasets
• Experience building production-grade Python services, analytical pipelines, or detection frameworks beyond notebook-based analysis
• Familiarity with feature engineering, model evaluation, threshold optimization, precision/recall analysis, and model monitoring
• Experience working with large-scale data platforms and distributed processing frameworks such as BigQuery, Snowflake, Spark, or similar
• On-chain analytics, blockchain tracing, wallet clustering, or combining digital asset and traditional payments data for financial crime detection
• Experience translating investigative findings or emerging typologies into scalable detection logic, models, or automated controls

What we offer

• Unlimited vacation time, with a minimum of 10 days required annually
• Flexible working options: work from home or from an office, with a home office stipend for new team members
• Comprehensive health, dental, and vision plans for you and your dependents (US-based), plus 100% company-subsidized life insurance
• 401(k) retirement plan with 4% company match
• Equity option plan for all team members
• Health and wellness benefits, including eligible spending for gym memberships, fitness classes, massages, and acupuncture
• Team summits and company offsites both domestically and internationally
• Rain Card for testing our core products and services

About Rain

Rain is a fintech company building payments infrastructure that makes stablecoins usable in the real world. Backed by top-tier investors including Sapphire Ventures, Norwest, Galaxy Ventures, Lightspeed, and Khosla, Rain partners with fintechs, neobanks, and institutions to launch global, inclusive, and efficient payment solutions.