Senior Transaction Monitoring Analyst

Astra

. Design, build, test, and maintain monitoring rules across ACH, RTP, FedNow, debit networks, and other payment rails .

Posted 10/30/2026full-timeRemote • United StatesSenior💰 $100,000 - $125,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in designing and tuning monitoring rules for financial crimes compliance, with strong analytical skills in SQL for transaction data evaluation. Proven ability to conduct complex investigations and collaborate cross-functionally to enhance monitoring capabilities and compliance processes.

Highest-signal resume keywords

BSA/AML ComplianceTransaction MonitoringSQL QueryingMonitoring Rule DesignFinancial Crimes Investigation

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Monitoring Rule TuningRisk-Based MonitoringData AnalysisThreshold CalculationBehavioral Pattern Recognition

Soft Skills

Attention to DetailIndependent WorkCross-Functional Collaboration

Tools & Technologies

Unit21SardineActimizeVerafinAPI-Driven Payment Architecture

Certifications & Qualifications

CAMSCFE

Industry Keywords

FintechPaymentsACHRTPFedNow

Tech Stack

Tools & technologies

PythonRuby on RailsSQL

About the role

Key responsibilities & impact

Design, build, test, and maintain monitoring rules across ACH, RTP, FedNow, debit networks, and other payment rails
Develop risk-based scenarios for structuring, velocity anomalies, and rapid movement of funds
Translate financial crimes risks into monitoring logic and thresholds with Product and Engineering
Backtest and tune rules to improve detection and reduce false positives
Document rule rationale, configuration, testing results, and change history
Investigate potentially suspicious transactions and customer activity
Document findings and dispositions with investigative narratives and recommendations
Prepare and submit suspicious activity referrals to sponsor banks with the Head of Compliance
Respond to sponsor-bank information requests and support follow-up reviews
Track alert volumes, backlogs, and case aging
Feed investigation insights into rules, scenarios, and workflows
Query transaction data with SQL and evaluate monitoring performance
Analyze activity across customers, rails, and use cases to identify emerging risks and coverage gaps
Report on alert volumes, false-positive rates, rule performance, and investigation outcomes
Recommend changes to thresholds, scenarios, and segmentation
Work with Product and Engineering on monitoring capabilities, data availability, and case-management workflows
Partner with Compliance and Operations on complex investigations, emerging risks, and escalation procedures
Support sponsor-bank inquiries, audits, and examinations
Define monitoring requirements for new products and payment flows before launch
Improve internal compliance tooling through automation and operational feedback

Requirements

What you’ll need

4+ years in BSA/AML, financial crimes compliance, or transaction monitoring within fintech, payments, or banking
Hands-on experience designing, implementing, and tuning monitoring rules
Track record of independently conducting complex investigations and escalating suspicious activity
Strong command of BSA/AML requirements, financial crimes typologies, and risk-based monitoring
Working knowledge of payment rails, particularly ACH, RTP, and debit networks
Experience managing alert queues while maintaining quality and timeliness
Comfortable working independently and cross-functionally in a fast-paced environment, with rigorous attention to detail and documentation
Bachelor's degree in finance, economics, computer science, criminal justice, or a related field preferred; exceptional relevant experience counts equally
CAMS, CFE, or equivalent certification preferred
Strong SQL skills for querying and analyzing large transaction datasets
Experience configuring, testing, and optimizing rules in platforms such as Unit21, Sardine, Actimize, or Verafin
Ability to translate detection requirements into rule logic — thresholds, velocity calculations, aggregation windows, and behavioral patterns
Experience using data to evaluate rule effectiveness and reduce false positives
Working knowledge of API-driven payment architecture and rails including ACH/NACHA, RTP, FedNow, and Visa Direct
Experience at a payments fintech, BaaS company, or processor operating under a sponsor-bank model preferred
Prior experience building or significantly improving a transaction monitoring program preferred
Exposure to embedded finance, payroll, lending, card disbursements, or real-time payments preferred
Python or similar tools for transaction analysis, rule testing, or automation preferred
Familiarity with model validation, rule governance, and sponsor-bank expectations preferred
Startup experience spanning technical implementation and day-to-day compliance operations preferred
Must be authorized to work in the United States; visa sponsorship requirements are addressed in the application

Benefits

Comp & perks

Equity in a growing fintech company
Remote-first culture with flexible working arrangements
Professional growth opportunities in compliance and risk management
100% company paid health insurance for employees
401(k) with company matching
Wide range of benefits