Freelance Fraud Analyst Jobs (NOW HIRING)

Escrow.com is the world's largest provider of secure online payments. We have safely handled over US$7 Billion in transactions for some of the world's largest marketplaces and platforms, including Shopify, GoDaddy, and eBay.

We are looking for a highly analytical and execution-focused BSA / AML Manager to join our team in San Francisco. Reporting directly to the Director of Compliance and Legal, you will be the task owner for the platform's BSA / AML / CFT compliance operations. This is not a "theoretical" compliance role; you will be the decision-maker on high-risk transactions and a key partner to our engineering team in building a world-class monitoring engine.

This is a full-time, in-office role in our San Francisco office, requiring a professional who can hit the ground running with minimal onboarding.

Key responsibilities:

• Oversee the daily implementation and operation of the BSA / AML / CFT compliance program.
• Manage ML/TF red flags, including the identification, investigation, and resolution of large, suspicious, and unusual transactions.
• Work closely with engineering teams to design, build, maintain, and enhance the transaction monitoring engine and associated alert logic.
• Act as a primary escalation point for complex or high-risk transactions, customers, and structures.
• Serve as a decision-maker for SMR / SAR filings, including assessment, approval, and regulatory submission.
• Partner with Operations, Customer Support, KYC, and other internal teams to develop, update, and maintain AML/CFT process maps, procedures, and escalation protocols.
• Conduct and maintain an enterprise-wide AML/CFT risk assessment, including periodic reviews and updates.
• Design, implement, and maintain ML/TF controls across the platform, aligned to the firm's risk profile.
• Deliver role-based AML/CFT training across the business, tailored to operational, technical, and customer-facing teams.
• Act as control owner for ML/TF and fraud-related controls, including oversight of control design, effectiveness, and ongoing operation.
• Handle Independent AML program and System Audits
• Serve as an escalation and engagement point with banking partners and AML/CFT supervisors, as required.
• Drive the automation and uplift of customer due diligence (CDD/EDD) and transaction monitoring across the platform, including optimisation of workflows, thresholds, alerts, and risk-based decisioning.

Requirements:

• Demonstrated experience in AML / CFT compliance, within, fintech, crypto, payments, escrow, or marketplaces.
• Ability to act as a clear decision-maker on complex or high-risk cases.
• Hands-on experience with transaction monitoring frameworks, alert review, investigations, and escalation handling.
• Practical experience designing, implementing, or maintaining AML/CFT controls aligned to ML/TF risks.
• Experience working cross-functionally with engineering, operations, KYC, and customer support teams.
• Ability to document, update, and maintain process maps, procedures, and escalation protocols.
• Proven experience engaging with banking partners, auditors, and AML/CFT supervisors when required.
• Strong general compliance experience within financial services
• Experience working with screening and transaction monitoring tools
• Good knowledge of internal control testing and assurance

Success Criteria:

• Ownership Mentality: You take full accountability for the compliance program, ensuring no red flag goes unaddressed.
• Resourceful & Proactive: You don't just identify risks; you work with Product and Engineering to build automated solutions to mitigate them.
• Analytical Rigor: You perform deep discovery to understand the root cause of suspicious activity rather than just checking boxes.

Benefits and Perks:

Career & Culture

• Meritocratic Growth: We operate a true meritocracy. Here, ownership is encouraged, and high performance is the fastest track to career progression.
• Not a cog-in-the-machine: You will join a global FinTech with a culture that allows you to take ownership and see the tangible impact of your work immediately.
• Direct Access: Stay connected at our Weekly Town Halls, featuring an open-mic Q&A session with the CEO - no question is off-limits.
• Innovation in Action: Participate in our Quarterly 2-Day Hack-a-thons. Team up to build creative solutions to real-world problems, compete for prizes, and enjoy a festival atmosphere filled with games, shows, and catered food.

World-Class Workspace

• Iconic Location: Work from Grosvenor Place, one of Sydney's most prestigious buildings overlooking the harbour.
• Premium Amenities: Enjoy a lifestyle-focused HQ with complimentary weekly fitness classes, exclusive building promotions, community events, and social competitions.

Wellbeing & Connection

• Active Community: Join our Company Run Club or take part in regular wellbeing events designed to keep the team healthy and connected.
• Social Calendar: From structured wellbeing sessions to casual team deals, we ensure there is always something happening to keep the energy high.