Compliance Analyst

* This is a hybrid role 4 days/week in our New York City (FiDi) office

The structural conflict at the centre of correspondent banking is not technological. It is economic. Banks earn revenue from their balance sheets: they lend deposits, capture FX spreads, and hold funds as long as it is rational to do so. Clearing, the act of releasing funds quickly and predictably, competes directly with those economics. An institution designed to lend has a structural incentive to hold deposits; an institution designed to clear has an incentive to release them. When one institution does both, clearing loses. The result is unpredictable settlement, trapped capital, and a correspondent network shrinking by design.

Lorum was founded on a different premise: clearing as the business, not a byproduct. The model has been operational since 2023 and grew 55x in 2025, with USD clearing now the majority of volumes alongside a growing treasury offering. We have applied for a U.S. national trust bank charter. The people we hire now will build the clearing and treasury infrastructure it unlocks.

You will help build out Lorum's compliance function as we scale into USD, EUR and GBP clearing.

Transaction monitoring is there to be lifted to the next generation and we are seeking for candidates seeking to make an impact in that space. You will join two other analysts on our New York team, covering onboarding, transaction monitoring and reliance reviews as that book scales.

This is a builder's role. The bar here isn't clearing more alerts, it's reducing next week's volume - flagging rules and processes that create noise, proposing better ones, and using AI and automation to take repetitive checks off the desk. There's no playbook here - nobody's solved this problem yet, so you won't inherit a script for how to do it.

You will report to Hany Razi, our Head of Compliance Operations.

Lorum is scrappy. You need low ego about hierarchy, an appetite to challenge how things are done, and comfort with direct feedback. Where compliance ops' remit ends and customer support's begins is still being settled, so you need to be comfortable without a fully settled org chart. If you want every case type handed to you with a script, this isn't the role.

• Review transaction-monitoring alerts, investigate unusual activity end-to-end, and decide whether to clear, escalate or hold - with a clean audit trail behind every call

• Own KYB and corporate onboarding reviews: assess corporate structure, beneficial ownership and risk factors, and recommend approval or escalation

• Run reliance reviews on client AML programs and handle outbound RFIs to clients and respond to inbound RFIs by our banks

• Support remediation with clients, and offboard where a relationship no longer fits our risk profile

• Flag rules and processes that create noise rather than catching real risk, and help design better ones - including where AI and automation can take over repetitive checks

• Flex between high-volume alert triage and deeper investigative work as the week demands

• 3 months. You’re independently running KYB reviews, alert investigations and reliance reviews, with documentation that would hold up if an auditor pulled the file tomorrow.

• 6 months. You’ve proposed at least one real change to a rule or process, not just flagged that something’s inefficient, and you’re using AI tools day-to-day to speed up casework while sense-checking the output yourself.

• 12 months. You’re measurably reducing the noise, not just clearing more of it - next week’s queue is smaller because of something you changed, not just because someone worked harder against it.

We won’t hold you to a fixed alert-clearance number. Volume here moves with transaction growth and how our banking partners set their risk appetite, neither of which any one analyst controls. What we are looking for is ownership and hunger to improve the status quo.

• 4+ years in AML, compliance or financial-crime work, spanning more than one area - for example KYB/onboarding and transaction monitoring, not just one lane

• Comfortable being genuinely hands-on with the tooling: can read a RegTech vendor’s API documentation, dig into how a risk engine’s rules actually work, and use AI to accelerate casework rather than avoid it

• Can write up and defend a decision so it holds up under audit scrutiny - not just flag an issue, but see it through with a clear paper trail

• Have worked somewhere fast-moving and not fully settled, such as a scale-up or a fast-growing team inside a larger org, and are comfortable without a script for every situation.

• Experience with tools like Flagright, ComplyAdvantage, Feedzai, Actimize, BAE Systems or Dotfile - or anything comparable

• SQL, Tableau or Power BI

• Direct SAR/UAR authorship, reliance-review ownership, or partner-bank RFI experience

• Fintech, payments or digital-asset scale-up background specifically

• US regulatory specifics are teachable if you’re strong elsewhere - we don’t expect multi-jurisdiction experience on day one.

• Flexible vacation policy

• Private Healthcare

• Employee stock ownership (ESOP)

• Flexible working and autonomy

• Pay it forward days - we offer 2 annual pay it forward days where you can take time to volunteer for a charitable cause that is important to you.

• Wellness days - we believe you can only work your best when you feel your best, and we know working at Lorum is intense, so we offer 3 wellness days every quarter where you can take time to re-energize

Compensation range: 100,000 to 130,000 USD

*Final compensation will be determined based on the candidate's qualifications, skills, and previous experience

By submitting this application, I agree that my personal data will be collected, processed, and retained by the company solely for the purposes of managing and assessing my candidacy.