Rain makes the next generation of payments possible across the globe. We’re a lean and mighty team of passionate builders and veteran founders. Our infrastructure makes stablecoins usable in the real-world by powering card transactions, cross-border payments, B2B purchases, remittances, and more. We partner with fintechs, neobanks, and institutions to help them launch solutions that are global, inclusive, and efficient. You will have the opportunity to deliver massive impact at a hypergrowth company that is funded by some of the top investors in fintech, crypto, and SaaS, including ICONIQ, Sapphire Ventures, Norwest, Galaxy Ventures, Lightspeed, Khosla, and several more. If you’re curious, bold, and excited to help shape a borderless financial future, we’d love to talk.
Our Ethos
We believe in an open and flat structure. You will be able to grow into the role that most aligns with your goals. Our team members at all levels have the freedom to explore ideas and impact the roadmap and vision of our company.
About the Role
We are looking for a sharp, motivated Compliance Analyst to join our Compliance team with a primary focus on transaction monitoring, alert review, and case investigation. This is a do-er role - you will be working the alert queue daily, conducting investigations, making SAR recommendations, and contributing directly to the quality and effectiveness of our TM program. You are expected to think critically, document thoroughly, and move with urgency without cutting corners.
This is not a policy or advisory role. You are in the work every day - reviewing alerts, building cases, and helping ensure that suspicious activity is identified, investigated, and reported accurately and on time.
What You Will Do
Review and disposition transaction monitoring alerts and KYC/KYB onboarding applications end to end - including customer profile review, document verification, beneficial ownership analysis, sanctions and PEP screening, adverse media assessment, and transactional activity analysis
Conduct enhanced due diligence on High Risk applicants - including source of funds and source of wealth assessment, business model review, and full beneficial ownership chain documentation
Make well-reasoned SAR recommendations - clearly articulating why activity is or is not suspicious and documenting your analysis in a manner that is complete and defensible to a regulator
Draft SAR narratives that meet FinCEN quality standards
Send RFIs to customers or partners where additional information is needed to resolve an alert or application and follow through to receipt and documentation of the response
Support periodic KYC refresh reviews on existing customers as part of the Company's ongoing due diligence program
Contribute to onboarding and investigation policy development - if you see a gap, flag it and propose a solution
Stay current on FinCEN advisories, FATF typologies, and emerging financial crime trends relevant to Rain's product set - including stablecoin, virtual asset, and agentic payment typologies
What We're Looking For
3 to 5+ years of experience in a compliance, KYC, AML Investigations or onboarding role at a FinTech, payments company, or crypto company
Demonstrated experience reviewing KYB applications for business entities including beneficial ownership analysis, entity structure review, and corporate document verification
Experience with OFAC, PEP, and adverse media screening tools - comfortable making independent screening determinations and documenting your reasoning
Demonstrated experience conducting end-to-end AML investigations and preparing SAR-quality case documentation
Working knowledge of BSA/AML program requirements and FinCEN SAR filing rules
Experience with transaction monitoring platforms
Familiarity with blockchain analytics tools and on-chain transaction analysis
Strong written communication skills
Comfort working in a fast-paced, high-volume environment where you manage multiple applications simultaneously without losing attention to detail
A do-er mentality - you are self-directed, take ownership of your queue, and do not wait to be told what to do next
CAMS certification or progress toward certification is a plus
What Success Looks Like
Your alert queue is current - SLA compliance above 95% consistently
Your case documentation is complete and independently reviewable
Your SAR narratives meet internal and FinCen quality standards on the first draft - minimal rework required from senior reviewers
You are identifying patterns and typologies across your alert population and bringing those observations to the team proactively
Things that enable a fulfilling, healthy and happy experience at Rain:
Unlimited time off 🌴Unlimited vacation can be daunting, so we require Rainmakers to take 10 days minimum for themselves.
Flexible working ☕ We support a flexible workplace, if you feel comfortable at home please work from home. If you’d like to work with others in an office feel free to come in. We want everyone to be able to work in the environment in which they are their most confident and productive selves. New Rainmakers will have a stipend to create a comfortable atmosphere at home.
Easy to access benefits 🧠For US Rainmakers, we offer comprehensive health, dental and vision plans for you and your dependents, as well as a 100% company subsidized life insurance plan.
Retirement goals💡Plan for the future with confidence. We offer a 401(k) with a 4% company match.
Equity plan 📦 We offer every Rainmakers an equity option plan so we can all can benefit from our success.
Rain Cards 🌧️ We want Rainmakers to be knowledgeable about our core products and services. To support this mission, we issue a card for our team to utilize the card for testing.
Health and Wellness 📚 High performance begins from within. Rainmakers are welcome to use their card for eligible health and wellness spending like gym memberships/fitness classes, massages, acupuncture - whatever recharges you!
Team summits ✨ Summits play an important role at Rain! Time spent together helps us get to know each other, strengthen our relationships, and build a common destiny. Expect team and company offsites both domestically and internationally.
Skills Required
- 3 to 5+ years experience in compliance, KYC, AML investigations, or onboarding at a FinTech, payments, or crypto company
- Experience reviewing KYB applications including beneficial ownership analysis, entity structure review, and corporate document verification
- Experience with OFAC, PEP, and adverse media screening tools and making independent screening determinations
- Demonstrated experience conducting end-to-end AML investigations and preparing SAR-quality case documentation
- Working knowledge of BSA/AML program requirements and FinCEN SAR filing rules
- Experience with transaction monitoring platforms
- Familiarity with blockchain analytics tools and on-chain transaction analysis
- Strong written communication skills
- Ability to manage a high-volume queue and multiple applications simultaneously with attention to detail
- CAMS certification or progress toward certification
Rain Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Rain and has not been reviewed or approved by Rain.
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Healthcare Strength — Health coverage is described as 95% employer‑paid for medical, dental, and vision for employees, with a 100% company‑subsidized life insurance plan also noted. Dependents receive substantial support as well, indicating a robust healthcare offering.
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Equity Value & Accessibility — Equity is offered to all team members, positioning ownership as a core component of total rewards and potential upside. This broad access to equity aligns compensation with company growth.
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Wellbeing & Lifestyle Benefits — Monthly wellness stipends and a home‑office setup stipend are provided alongside in‑office meals/credits and regular events/offsites. These offerings support day‑to‑day wellbeing and practical work setup needs.
Rain Insights
What We Do
Our technology makes it easy for companies—from fast-growing startups to global fintechs—to integrate stablecoins into their products, platforms, and payment flows. Whether they’re launching a credit card program, enabling cross-border payments, or embedding wallets, Rain builds the tools to do it fast, flexibly, and compliantly. We’re built for the next generation of global finance. Our infrastructure combines the stability of trusted payment networks with the power of Web3—multi-chain support, 7-day-a-week settlement, and seamless stablecoin interoperability. We help companies unlock real-world use cases for digital assets without the regulatory headaches or crypto complexity. Rain is a Visa Principal Member and is trusted by over 130 organizations worldwide. We’ve processed hundreds of millions of dollars in transactions across 150+ countries—and we’re just getting started. If you’re excited about building the future of payments, we’re always looking for more Rainmakers to help us make money move—instantly, globally, and securely.
Why Work With Us
Rain is building frontier fintech at a moment of real regulatory clarity, which has unlocked a massive new market for stablecoins. Backed by top institutional and crypto-native investors, we’re a lean team with a big mission. All Rainmakers take on real ownership, tackle complex problems, and have fun doing it.
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