Senior Compliance Analyst

What You'll Do

You will own compliance execution and quality across Lithic's CIP, KYB, and CDD/EDD programs, while contributing to the AI-assisted workflow infrastructure that makes that work scalable and defensible.

Core responsibilities include:

• Own end-to-end CIP decisioning, maintaining quality and turnaround standards across high-volume programs
• Perform quality assurance on AI-assisted onboarding decisions and document reasoning in a format that holds up to bank partner and regulatory scrutiny
• Identify process gaps and propose improvements
• Support bank partner deliverables across Lithic's sponsor bank relationships
• Contribute to AML/BSA compliance & Regulatory compliance testing and oversight activities
• Work with Product and Engineering when new features touch compliance
• Contribute to Lithic's long-term compliance strategy by helping build infrastructure that scales

What You'll Need

Minimum Qualifications

• 3-5 years of compliance experience in fintech, payments, or a bank-partnered environment, and a direct CIP background required
• Self-starter who can work independently while knowing when to escalate and collaborate
• Working knowledge of AI governance in a compliance context, including how to document and defend AI-assisted decisions to bank partners
• Direct experience with KYC/KYB tools
• Exceptional organizational skills and ability to create structure where none exists
• Strong written and verbal communication
• Solid grasp of the regulatory framework governing financial products (Reg E, Reg Z, and USA PATRIOT Act, etc)
• CAMS certified or actively working toward it

Nice to Have

• Experience in compliance QA or program testing
• Background in high-risk verticals (MRBs, crypto-adjacent businesses, or similar)
• Experience with state money transmission license (MTL) requirements, including application processes, state examiner relationships, and ongoing compliance obligations
• Experience in card issuing, payments, or fintech with exposure to sponsor bank relationships