Compliance Analyst

This is a hybrid role that requires 4 days/week in our New York City office (Financial District) 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.

• 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, as ownership there gets settled, some inbound RFIs from partner 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

• Cover US banking hours, and 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. At steady state, we’re working to move our transaction-monitoring true-positive rate from the low single digits today toward 50-60% - that’s the direction of travel this role drives.

• 3-5+ 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 - 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

*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.