Senior Compliance Operations Analyst (Payments)

About the Role

The Compliance Operations Analyst supports the firm’s Anti-Money Laundering (AML) and Know Your Customer (KYC) program by executing customer due diligence (CDD), enhanced due diligence (EDD), ongoing monitoring activities, and other compliance-related tasks for both our payments and our messaging products. This role is responsible for collecting and validating customer information, assessing risk, identifying red flags, documenting findings, and escalating potential issues in accordance with internal policies, regulatory requirements, and service-level expectations.

 

What You’ll Do

Onboarding & Customer Due Diligence

• Perform KYC/KYB onboarding reviews for individuals and entities, including identity verification, beneficial ownership, and control person validation.
• Collect, analyze, and validate documentation and data.
• Conduct sanctions, watchlist, PEP, and adverse media screening.
• Review application packages, corporate docs, licenses, and expected activity, and reconcile inconsistencies.
• Perform EDD for higher risk customers
• Identify and document risk mitigants, conditions, and monitoring requirements.
• Prepare concise case summaries, risk assessments, and recommendations for approvals/declines.

 

Transaction Monitoring & Investigations

• Triage, investigate, and disposition alerts with clear, evidence-based narratives; escalate cases per playbook and risk thresholds-based narratives.
• Prepare SAR writeups and supporting documentation.
• Resolve sanctions screening hits (OFAC, UN, EU, HMT) and PEP/adverse media alerts; apply positive reduction techniques.
• Prepare sponsor bank Investigation Reports and supporting evidence packages within required timelines.
• Coordinate sanctions controls (geo/IP screening, blocks/holds/freezes) and OFAC reporting workflows.
• Conduct periodic KYC refresh (CDD/EDD), merchant risk reviews, and trigger-based reviews (e.g., sponsor bank inquiries, chargeback spikes).
• Monitor card-brand compliance thresholds and coordinate with Payments & Subra Compliance leadership on remediation.

 

Quality, Reporting & Governance

• Maintain thorough case audit trails within the case management system.
• Escalate findings to Compliance leadership per procedures
• Meet SLAs, quality standards, and regulatory timelines.
• Support internal/external audits, sponsor bank exams, and regulatory reviews.
• Identify operational gaps and propose improvements to workflows and controls.
• Maintain internal policy updates, typologies, and regulatory guidance relevant to AML/KYC and other payments and messaging compliance operations.

 

Required

• Experience in banking, fintech or payments operations
• Familiarity with key AML regulations and frameworks (eg., BSA/AML, USA PATRIOT Act, FinCEN SAR requirements, OFAC screening principles, and beneficial ownership rules.
• Exposure to transaction monitoring workflows, alert handling, and/or SAR referral processes.
• Experience with screening and research tools (eg., World-Check, Dow Jones, Lexis-Nexis) and case systems.

 

Core Competencies

• Strong team player with well-developed interpersonal skills.
• Ability to communicate effectively across multiple departments.
• Strong investigative mindset.
• Excellent verbal and written communication
• High attention to detail; comfortable working SLA-driven queues.
• Flexible and adaptable, with the ability to manage multiple priorities.

 

Preferred

• Certified Anti-Money Laundering Specialist (CAMS) or equivalent.
• Prior PayFac or card acquiring experience (sub-merchant onboarding, MCC risk, card brand monitoring).
• Familiarity with Visa/Mastercard rules, NACHA and sponsor bank oversight expectations.
• Knowledge of transaction laundering typologies.
• SQL or data skills for ad-hoc analysis a plus; Excel/Sheets proficiency.

 

General Duties and Expectations:

• Adhere to the Company's Code of Conduct/Ethics.
• Create and maintain effective working relationships with other Company
• Contribute to the professional culture within the office and the company
• Project a professional and appropriate Company image in all dealings with clients, vendors, business partners and visitors.
• Ensure security of information in all matters pertaining to company, client, and consumer information.
• Contribute to the professional culture within the office and the company

 

About Solutions by Text

Solutions by Text (SBT) was founded with the mission to deliver impactful conversational messaging and convenient payment solutions. Built on wireless carrier industry best practices, SBT is the only compliance-first provider of enterprise texting solutions in the market. More than 1,400 consumer finance organizations, including leading brands in auto finance, banking and lending, trust SBT to ensure convenient, effective, and compliant relationships with their millions of consumers. SBT is headquartered in Princeton. NJ with remote teams and offices throughout the United States.

 

Game-changing Technology Built for Growth

Solutions By Text (SBT) is changing the way highly regulated businesses engage, interact and transact with customers via their mobile devices. Since adding its first customer, SBT has quickly become the leading text provider to consumer finance companies and various other regulated industries. Recognized as part of the Inc. 5000 fastest growing companies as well as Best Places to Work, SBT continues to evolve and expand through the addition of great employees who desire an exciting, collaborative culture.

 

Solutions By Text is committed to promoting the values of diversity and inclusion throughout the business.  Whether it is through recruitment, retention, career progression or training and development, we are committed to improving opportunities for people regardless of their background or circumstances.