Compliance Analyst

Location: Salt Lake City, UT (also Draper, UT) / New York City, NY

About the role

We're hiring a Compliance Analyst to help build and run our BSA/AML/OFAC program. This is a hands-on role for someone who wants to work close to the transaction data investigating alerts, spotting patterns, and turning findings into action while helping shape how a compliance program gets built from the ground up at a fast-moving fintech. You'll work directly with senior compliance leadership, giving you visibility and influence well beyond a typical analyst seat. This role is a strong fit for someone who wants ownership early in their career: you'll help define the processes, not just follow them, and you'll have room to bring AI-powered tools into how the work gets done from day one.

What success looks like in your first year:

• Independently manage a caseload of BSA/AML/OFAC alerts and investigations, from initial review through UAR filing.
• Become the go-to point of contact for day-to-day BSA/AML/OFAC compliance operations.
• Identify and help close at least one meaningful gap in monitoring coverage or process.
• Build a trusted, responsive working relationship with our partner bank and stakeholders.
• Bring AI tools into your workflow in a way that measurably speeds up investigations or reporting.
• Contribute analysis or reporting that shapes a real decision made by compliance leadership.
• Demonstrate you can flex into adjacent compliance work as needed, not just your core caseload.

Responsibilities

• Monitor and investigate suspicious activity
  • Conduct account and transaction-level reviews to identify unusual patterns and escalate suspicious activity.
  • Review system-generated alerts and support the drafting of Unusual Activity Reports (UARs).
• Support the sanctions and AML program
  • Apply OFAC screening and BSA/AML controls to daily case work and escalations.
  • Identify and label patterns of unusual activity, including reporting to financial partners.
  • Track developments in BSA, AML and OFAC enforcement and guidance, and flag implications for Coast's practices.
  • Track KRIs/KPIs that measure the health of the AML program.
  • Respond to audit, partner bank, and regulatory requests.
  • Use SQL and internal/external data sources to spot system vulnerabilities and compliance gaps.
• Testing and oversight
  • Conduct quality assurance testing of underwriting and credit decisioning processes, adverse action notices, and account practices for ECOA, SCRA, and FCRA adherence, collaborating with process owners to build corrective action plans where gaps are identified.
• Other compliance support
  • Support additional compliance initiatives and cross-functional projects as they arise, including emerging regulatory requirements and policy development.
  • Assist with ad hoc risk assessments and internal audits as needed.
  • Help build out processes and documentation for new or evolving compliance areas where none yet exist.
  • Respond to compliance-related questions from internal teams (product, engineering, sales, customer support) and escalate as appropriate.
  • Take on other compliance-related projects and duties to support important Company initiatives and priorities.
• Partner across the business
  • Work cross-functionally with Legal, Risk, and Product to keep policies and controls current.
  • Support senior