EarnIn

Review and investigate AML alerts, monitor transactions for financial crimes risks, collaborate cross-functionally to enhance compliance controls, and support regulatory reporting and audits. | 3+ years in AML/financial crimes compliance or risk management in fintech or financial services, bachelor's degree, strong regulatory knowledge, proficiency in Excel, and preferably ACAMS certification. | About EarnIn As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks. We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey. Position Summary EarnIn is seeking a highly analytical and detail-oriented Financial Crimes and Compliance Analyst to join its Enterprise Risk Management team. The desired candidate will have experience in financial crimes, risk management, and regulatory compliance. The Analyst will support and contribute to the continuous enhancement of EarnIn’s Anti-Money Laundering (AML), economic sanctions, and overall Compliance program. The Analyst will assist with identifying opportunities for improvement across AML and Sanctions and overall compliance, working collaboratively with applicable business lines to enhance compliance controls. The Analyst will provide actionable insights to mitigate risk, and helps maintain a strong compliance culture that protects both the company and its customers. In this role, you will apply a data-driven approach to assess and improve business processes, compliance controls, make sound decisions, and risk management strategies across our product suite. This is a remote position that offers a unique opportunity to make a meaningful impact in a dynamic, fast-paced environment. The US base salary range for this position is $80,000 - $90,000 + equity + benefits. Our salary ranges are determined by role, level, and location. What You'll Do • Review, analyze, and disposition AML alerts in accordance with internal procedures and regulatory expectations. • Monitor customer transactions and behavioral patterns to identify risks related to money laundering, terrorist financing, fraud, and sanctions violations. • Conduct detailed investigations into potentially suspicious activity and document findings in clear, accurate, complete, audit-ready case files, including SAR recommendations when warranted. • Review OFAC sanctions and PEP alerts, including escalation and resolution of potential matches. • Conduct annual BSA/AML/Sanctions risk assessment to assess risk exposure and improve controls. • Collaborate with cross-functional partners—including Fraud Operations, Risk, Product, and Engineering—to strengthen compliance controls and support scalable growth. • Assist in developing and refining policies, procedures, and playbooks for the Financial Crimes and Compliance Program. • Assist in the testing, development and tune of transaction monitoring rules for existing products and services. • Maintain a strong understanding of regulatory requirements (e.g., BSA/AML, OFAC, USA PATRIOT Act, Reg Z, UDAAP, etc.) and their applicability to EarnIn’s products and services. • Support regulatory reporting, audits, or examinations. • Manage and execute projects efficiently within specified timeframes, working across multiple business lines. • Provide cross-functional support across regulatory issues management and the overall compliance program. What We're Looking For: • 3+ years of experience in AML investigations, Financial Crimes compliance, compliance, or risk management within fintech, banking, or financial services. • Bachelor's degree or equivalent professional experience. • ACAMS designation or similar certification strongly preferred • Demonstrated knowledge and application of financial crimes laws and regulations (BSA/USA PATRIOT Act/AMLA/FinCEN regs/OFAC regs) • Strong analytical, organizational, and critical thinking skills, with the ability to multitask and adapt in a rapidly changing environment. • Strong investigative skills, including familiarity with public record research and database tools • Proficiency in Excel/Sheets (VLOOKUP, INDEX MATCH, advanced conditional formatting, pivot tables and reporting, macros and VBA) and PowerPoint/Slides • Strong written and verbal communication skills. • Demonstrated professionalism, discretion, and the ability to manage sensitive information confidentially. • Creative problem-solving abilities with a customer-first mindset. • Preferred experience in fintech or similarly fast-paced financial environments. #LI-Remote At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant. EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.

Support and enhance AML, sanctions, and compliance programs through investigation, analysis, and collaboration. | Requires 3+ years in AML or financial crimes, knowledge of relevant laws and regulations, and proficiency in Excel and investigative skills. | About EarnIn As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks. We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey. Position Summary EarnIn is seeking a highly analytical and detail-oriented Financial Crimes and Compliance Analyst to join its Enterprise Risk Management team. The desired candidate will have experience in financial crimes, risk management, and regulatory compliance. The Analyst will support and contribute to the continuous enhancement of EarnIn’s Anti-Money Laundering (AML), economic sanctions, and overall Compliance program. The Analyst will assist with identifying opportunities for improvement across AML and Sanctions and overall compliance, working collaboratively with applicable business lines to enhance compliance controls. The Analyst will provide actionable insights to mitigate risk, and helps maintain a strong compliance culture that protects both the company and its customers. In this role, you will apply a data-driven approach to assess and improve business processes, compliance controls, make sound decisions, and risk management strategies across our product suite. This is a remote position that offers a unique opportunity to make a meaningful impact in a dynamic, fast-paced environment. The US base salary range for this position is $80,000 - $90,000 + equity + benefits. Our salary ranges are determined by role, level, and location. What You'll Do • Review, analyze, and disposition AML alerts in accordance with internal procedures and regulatory expectations. • Monitor customer transactions and behavioral patterns to identify risks related to money laundering, terrorist financing, fraud, and sanctions violations. • Conduct detailed investigations into potentially suspicious activity and document findings in clear, accurate, complete, audit-ready case files, including SAR recommendations when warranted. • Review OFAC sanctions and PEP alerts, including escalation and resolution of potential matches. • Conduct annual BSA/AML/Sanctions risk assessment to assess risk exposure and improve controls. • Collaborate with cross-functional partners—including Fraud Operations, Risk, Product, and Engineering—to strengthen compliance controls and support scalable growth. • Assist in developing and refining policies, procedures, and playbooks for the Financial Crimes and Compliance Program. • Assist in the testing, development and tune of transaction monitoring rules for existing products and services. • Maintain a strong understanding of regulatory requirements (e.g., BSA/AML, OFAC, USA PATRIOT Act, Reg Z, UDAAP, etc.) and their applicability to EarnIn’s products and services. • Support regulatory reporting, audits, or examinations. • Manage and execute projects efficiently within specified timeframes, working across multiple business lines. • Provide cross-functional support across regulatory issues management and the overall compliance program. What We're Looking For: • 3+ years of experience in AML investigations, Financial Crimes compliance, compliance, or risk management within fintech, banking, or financial services. • Bachelor's degree or equivalent professional experience. • ACAMS designation or similar certification strongly preferred • Demonstrated knowledge and application of financial crimes laws and regulations (BSA/USA PATRIOT Act/AMLA/FinCEN regs/OFAC regs) • Strong analytical, organizational, and critical thinking skills, with the ability to multitask and adapt in a rapidly changing environment. • Strong investigative skills, including familiarity with public record research and database tools • Proficiency in Excel/Sheets (VLOOKUP, INDEX MATCH, advanced conditional formatting, pivot tables and reporting, macros and VBA) and PowerPoint/Slides • Strong written and verbal communication skills. • Demonstrated professionalism, discretion, and the ability to manage sensitive information confidentially. • Creative problem-solving abilities with a customer-first mindset. • Preferred experience in fintech or similarly fast-paced financial environments. At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant. EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.

The Total Rewards Analyst & Stock Administrator will manage the company's equity programs and ensure compliance with relevant laws and regulations. They will also provide support to employees regarding equity grants and maintain accurate records of equity transactions. | Candidates should have at least 3 years of experience in equity administration and a solid understanding of benefits compliance and compensation principles. A bachelor's degree in a related field is required, and certifications such as CEP or CCP are a plus. | About EarnIn As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks. We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey. POSITION SUMMARY At EarnIn, our people are our greatest asset—and attracting, retaining, and rewarding top talent is at the heart of everything we do. We're seeking a Total Rewards Analyst & Stock Administrator who is passionate about building and delivering inclusive, competitive, and transparent compensation and benefits programs. You’ll be instrumental in helping to shape our total rewards philosophy, provide high-touch support across benefits and equity programs, and ensure an outstanding employee experience through data-driven insights and operational excellence. This remote role combines elements of Equity Administration, Compensation, and Benefits and is ideal for someone with experience in high-growth, fast-paced environments who thrives in both analytical and people-centered work. If you're eager to grow your expertise across multiple total rewards domains and want to make a lasting impact, we’d love to hear from you. The US base salary range for this contract position is $92,000–$146,000 + benefits. Our salary ranges are determined by role, level, and location. WHAT YOU'LL DO Stock Plan Administration (25-50%, to increase over the next 6 months) Equity Plan Management Help administer company’s equity programs, including stock options, restricted stock units (RSUs), and employee stock purchase plans (ESPPs). Administer EarnIn’s equity compensation programs in collaboration with our third-party stock plan administrator. Managing new hires/terminations in equity administration platform. Prepare and distribute grant agreements (stock options, RSUs, etc.). Process new equity grants, exercises, vesting, and cancellations in equity management systems. Maintain accurate and up-to-date records of all equity transactions. Manage off boarding equity communications and option expiration timelines. Track and update employee status changes that affect vesting (e.g., LOA, termination). Compliance and Reporting Ensure compliance with federal, state, and international securities laws and regulations. Prepare and file Section 16 forms, Form 144, and other SEC filings as required. Support corporate governance activities related to equity and stockholder matters. Assist with external audits and coordinate with internal audit and finance teams to ensure proper controls. Employee Support Serve as the primary point of contact for employees regarding equity grants, vesting schedules, and exercises. Provide training and resources to employees to enhance understanding of equity programs. Respond to inquiries regarding equity statements, tax implications, and plan rules. System Administration Manage and maintain equity management platforms (Carta, Future: E*TRADE, Shareworks, etc.). Maintain cap table in equity platform, including employee and investor records. Perform system reconciliations with payroll, HRIS, and finance systems to ensure accuracy. Generate regular reports on equity activity for HR, finance, accounting, and executive leadership. Collaboration Partner with Legal, HR, Finance, and Payroll teams to ensure accurate processing and reporting. Support Finance in calculating stock-based compensation expense in accordance with GAAP. Provide data and analysis for board meetings, investor relations, and external communications: board decks with burn rate models and equity pool increases Run and send equity-related reports to stakeholders. Process Improvement Develop and implement best practices for equity plan administration. Review and update policies, procedures, and documentation related to stock administration. Identify opportunities for automation and process efficiency. Compensation Administrative and Tactical Execution (10-20%) Analyze, design, and support compensation programs and processes including annual salary review, merit cycles, promotions, and market benchmarking. Partner with People Business Partners, Talent Acquisition, and functional leaders to ensure equitable and competitive offers, promotions, and internal transfers. Conduct global compensation market research, including participation in salary and total rewards surveys and analysis of compensation trends. Assist in maintaining job architecture, leveling guidelines, and salary ranges. Benefits Administration (20-30%) Support the administration of EarnIn’s employee benefits programs including health, dental, vision, life, disability, and leave of absence programs. Partner with brokers and benefits vendors to ensure timely enrollment, compliance, and employee support. Assist with benefits communications and employee education initiatives to promote understanding and utilization. Perform benefits audits and maintain compliance with all applicable regulations (e.g., ERISA, ACA, HIPAA, COBRA). Support Leave of Absence Management Analytics & Reporting (10-15%) Build and maintain compensation, benefits, and equity dashboards and reporting tools to support business and compliance needs. Generate actionable insights from HR data to guide strategic decision-making and improve employee experience. Participate in audits and maintain data integrity across HRIS and equity systems. WHAT WE'RE LOOKING FOR 3+ years of experience in an Equity Administration role, preferably in a high-growth tech environment. Solid working knowledge of benefits compliance and compensation principles (e.g., FLSA, IRS regulations, SOX, Section 409A). Hands-on experience with HRIS and equity management systems (e.g., Workday, Carta, Shareworks, Equity Edge, Fidelity). Exceptional Excel and data modeling skills; experience with reporting and visualization tools (e.g., Tableau, Looker, or Google Data Studio). Highly analytical mindset paired with strong attention to detail and the ability to execute flawlessly. Excellent written and verbal communication skills; capable of demystifying complex topics for a broad employee audience. Strong project management skills and a desire to create scalable, sustainable processes. Bachelor’s degree in Human Resources, Finance, Business, or related field; CEP and CCP or CEBS certification a plus. #LI-Remote At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant. EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.

Design and implement new features while ensuring scalability and performance of backend systems. Collaborate with Product teams to define technical solutions and mentor other engineers. | Candidates should have 4+ years of software engineering experience and a degree in a related technical discipline. Proficiency in modern backend programming languages and experience with microservices architectures is required. | About EarnIn As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks. We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey. POSITION SUMMARY We seek an experienced, collaborative, and resourceful Senior Backend Engineer to join our team. We seek engineers who thrive in uncertain environments and excel at defining technical solutions, collaborating closely with Product teams to refine requirements. The ideal candidate has experience in fintech or has built 0-to-1 products, demonstrating a strong ability to design and implement scalable architectures that support rapid product evolution. Candidates with backgrounds in early-stage software products engineered for scalability, or those who have worked in Research & Development on new technologies, will fit nicely on our team. The base salary range for this full-time position is $186,300 to $227,700, plus equity and benefits. Our salary ranges are determined by role, level, and location. This is a remote role with the option for hybrid from our Mountain View HQ WHAT YOU'LL DO Design and implement new features, breaking down complex problems into elegant, scalable, and maintainable solutions. Architect and maintain robust microservices integrations, leveraging REST/gRPC APIs and event-driven messaging patterns (events/queues) to build flexible and extensible systems. Collaborate with Product teams to define technical solutions in ambiguous environments, ensuring that backend architectures support rapid product iteration and expansion. Ensure scalability and performance by developing services designed to handle high-throughput and real-time transaction processing. Proactively identify and mitigate risks to ensure our backend systems remain secure, reliable, and resilient. Mentor and guide engineers, providing technical leadership through design reviews, code reviews, and architectural guidance. Develop test automation to enable continuous integration and deployment, maintaining high development velocity. Debug and troubleshoot production issues, working across multiple stack levels to maintain service stability. Work closely with cross-functional teams, including data science, product, analytics, and marketing, to ensure backend services align with business objectives. WHAT WE'RE LOOKING FOR 4+ years of software engineering experience, with a track record of delivering scalable backend solutions. Bachelor's, Master’s, or PhD degree in computer science, computer engineering, or a related technical discipline, or equivalent industry experience Experience working in microservices architectures, designing and building distributed systems. Proficiency in at least one modern backend programming language, with the ability to adapt to multiple technologies (we work with Java, Kotlin, C#, and Python). Strong expertise in SQL databases, as well as additional experience in NoSQL systems, is a plus. Experience designing architectures that enable rapid iteration, either from early-stage product development or within Research & Development teams is a plus Hands-on experience with continuous integration and deployment tools, ensuring seamless and efficient development workflows. Experience in functional and integration testing, ensuring backend services maintain high reliability. Excellent written and verbal communication skills, with the ability to collaborate effectively across teams. #LI-Hybrid At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant. EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.