Financial Analyst- Work from Home

Flex is building the

AI-native private bank for business owners

.

We’re re-architecting the entire financial system for entrepreneurs—from the first dollar a business earns to how that value compounds, moves, and is ultimately spent in real life. Banking, credit, payments, personal finance, and financial operations—rebuilt from the ground up as a single, intelligent system.

Flex is the full financial home for ambitious owners.
Since launching publicly in

September 2023 , Flex has scaled from

zero to nine-figure annualized revenue

, with a clear path to

profitability by late 2026 . We move fast, ship relentlessly, and operate with extreme ownership.
Our customers are

affluent business owners ($3–$200M in revenue)—the backbone of the economy and one of the most underserved segments in finance. They’re stuck with outdated banks and fragmented tools. Flex has raised $100M+ in equity and $300M+ in debt.
- We build software that directly controls how money moves at scale.
- We prioritize execution, quality, clarity, and results.
- What we’re building will define how a generation of owners runs their businesses.
We hire exceptional people who want to build hard things and see their work matter immediately. Roles are available in: San Francisco, Miami, New York, and fully remote.
Flex Fuels Ambition.
Flex moves real money at a serious scale, and someone has to make sure it only moves for the right reasons. Were hiring our first Financial Crimes Analysts to be that someone, and to build the function around them.
This is a net-new role. Youll report directly to the

Head of Financial Crimes

and work side by side with the people who designed our financial crime program. Once a customer is through the door, you own what happens next: monitoring their activity, investigating what looks wrong, deciding what is suspicious, and writing the narrative that backs the decision.
Our processes are still being built, so youll also notice whats clunky, document it, and help simplify it. This is a strong fit if you have a few years of hands-on financial crimes experience, enjoy digging into cases, and want to grow from running a process into helping design one, with a clear path into broader program responsibilities as the team grows.
Youll be a core part of financial crime detection and investigation at Flex.

Post-onboarding risk.

Own the question "is this customers activity legitimate?" from the moment an alert fires to the moment it is cleared, escalated, or filed.
Your first priority is working through our alert backlog and keeping the queue current, with an eye on both quality and speed, so real risk gets the scrutiny it deserves and good customers arent slowed down by noise.
Help set the bar for what a strong case narrative looks like here: clear, well supported, and defensible to a regulator or bank partner without a follow-up call.
Flag the typologies, patterns, and blind spots you see across cases and bring them to Risk, Operations, and Engineering, so they can become better rules and fewer false positives.
Document what works and flag whats clunky as you go. As one of the first official Financial Crimes Analysts at Flex, youll see where the process works and where it doesnt, and youll have a real voice in how the team grows.
Review and disposition transaction monitoring alerts, applying BSA/AML typologies to separate genuinely suspicious activity from false positives
Investigate unusual activity across accounts, payments, and cards, including patterns that point to money laundering, fraud, account takeover, and other illicit behavior
Escalate higher-risk cases to supervisory review with a clear recommendation, not just a pile of facts
Support UAR and SAR filings, working alongside senior team members and building toward owning filings end to end
Investigate and document

Write case narratives so clear and well supported that a reviewer, examiner, or bank partner can follow your reasoning without a call
Conduct enhanced due diligence on existing customers whose activity raises concerns, and refresh customer risk profiles when behavior no longer matches what we were told at onboarding
Pick up cases handed over by our KYC team when a flagged account needs a deeper activity review, and hand back what you learn so onboarding decisions get sharper
Help flag the patterns and process gaps behind noisy alerts or missed risk, and help turn them into better detection rules and simpler procedures
Partner with Risk, Operations, Support, and Engineering to close open requests and, over time, tune monitoring
Support quality assurance and file reviews, including for our bank partner program
Stay current on evolving AML typologies and regulatory guidance, and bring what you learn back to the team
Youre comfortable with ambiguity, you make sound calls with incomplete information, and you can work a high-volume queue without losing quality.
1–3 years in BSA/AML compliance, transaction monitoring, fraud operations, or a related financial crimes role
Hands-on experience dispositioning transaction monitoring alerts in a platform such as Sardine, Unit21, Actimize, or similar, with a working knowledge of AML typologies
Exposure to fintech, payments, card programs, or BaaS program compliance
Experience tuning detection rules or working with data and SQL to investigate patterns
Exposure to suspicious activity reporting, including drafting narratives or supporting UAR/SAR filings
Strong written communication: you can explain why something is or isn’t suspicious in plain language and summarize complex findings concisely
Bonus points

~

CAMS or another AML certification, completed or in progress

\Final compensation within this range will be based on experience, qualifications, and interview performance. This position is also eligible for equity compensation. Flex offers medical, dental and vision insurance, paid time off, and a 401(k) plan. Applications will be accepted on an ongoing basis until the position is filled.
\Work on real money, real risk

— Payments, credit, and banking at serious scale.
Solve hard problems

— AI, underwriting, compliance, and global finance from first principles.
Founder-level exposure

— Direct access to leadership, customers, and investors.
Real upside

— Meaningful equity if you help build something big.