Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $33 billion in affordable and responsible credit to our 5.5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.
We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.
Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.
We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.
About the Role:
The position of Transaction Monitoring (TM) Analyst is a part of the Financial Crimes team, which reports up through the Risk & Compliance group. The TM team is responsible for monitoring customer transactions for any potential risk of unusual or suspicious money laundering activities, or other related financial crimes. As a TM Analyst, you will work under the leadership of the AML Manager and will review Automated Transaction Monitoring alerts, analyze customer transactions, and disposition the alerts according to applicable policies and procedures.
What You’ll Do:
- Review and analyze automated Transaction Monitoring alerts and make the appropriate recommendation of escalating the alert for further investigation or dismissing the activity as non-suspicious
- Prepare detailed TM investigation narratives that clearly explain the activity, risks, and reasoning for the disposition of a case
- Organize evidence collected throughout the investigation including documentation, images, and call recordings
- Manage your caseload appropriately to ensure timely completion of cases while consistently meeting production and quality expectations as directed by management
- Assist the AML Manager with additional tasks and/or service level agreements to support the Financial Crimes team
What We Look For:
- Bachelor’s degree or higher
- 2+ years of experience in anti-financial crimes (AML investigations, TM investigations, Fraud Investigations, EDD, KYC, Sanctions, etc.)
- Working knowledge of fraud and AML typologies and current financial crime trends
- Understanding of financial products, including credit cards, lending products, and deposit accounts
- Excellent research, analytical, and communication skills
- Experience in in meeting regulatory and business deadlines with a sense of urgency while maintaining high standards for quality and professionalism
- Advanced knowledge of Microsoft Office, Google Suite, and Atlassian products
- Experience with LexisNexis research tools (AML Insight, Bridger) and/or ComplyAdvantage preferred, but not required
What We Offer You:
- Competitive salary and stock option plan
- 100% paid coverage of medical, dental and vision insurance
- Flexible PTO
- Opportunities for professional growth and development
- Paid parental leave
- Health & wellness initiatives
The compensation range of this position in San Francisco, CA is USD $70,000-$90,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.
#BI-Hybrid #LI-Hybrid
For California residents: Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.
We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
Upgrade, Inc. Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Upgrade, Inc. and has not been reviewed or approved by Upgrade, Inc..
-
Healthcare Strength — Healthcare coverage is considered strong, with 100% employer-paid medical, dental, and vision for employees alongside mental health, wellness, disability, life insurance, and abortion travel benefits. These elements indicate a comprehensive health and wellness package.
-
Retirement Support — A 401(k) match up to 4% with immediate vesting is offered, with eligibility commonly beginning after about 90 days. This structure provides reliable savings support early in tenure.
-
Leave & Time Off Breadth — Time-off policies include unlimited PTO for salaried roles, generous PTO and paid holidays, sick days, bereavement leave, and paid parental leave. Flexible time-off practices are emphasized across materials.
Upgrade, Inc. Insights
Similar Jobs
.jpeg)
What We Do
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.8 million customers access over $47 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B. We’re consistently recognized for our innovative technology, rapid growth, and inclusive culture. Most recently, we were named one of the World’s Best Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, Best Places to Work in Fintech by American Banker, Best Employer by Forbes, and America’s Greatest Workplaces by Newsweek. Our technology and products have also earned us spots on the World's Top 250 Fintech Companies by CNBC, Deloitte Technology Fast 500, and Fintech Breakthrough Awards. We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.
Why Work With Us
We’re consistently recognized for our innovative technology, rapid growth, and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, Best Startup Employer by Forbes, and America’s Greatest Workplaces by Newsweek.
Gallery
