Company Overview

Clerq is a Series A financial technology startup based in New York City. The company’s next generation payments platform delivers a seamless checkout experience for high-ticket transactions.

Leveraging modern bank rails, the platform offers the conversion and UX benefits of cards with risk and money movement infrastructure purpose-built for large purchases. Clerq replaces outdated manual payment methods like cash, checks and wires and expensive card surcharges with a smooth, integrated solution that helps merchants convert more customers without sacrificing margins.

Clerq started with the $1T+ U.S. auto vertical, where it's already powering payments for several of the most recognized brands in the industry. With proven traction, the company has expanded into high-growth adjacencies including powersports, home & office and private travel.

Who are we looking for?

We are seeking a Payments Compliance Analyst with a strong focus on transaction monitoring, unusual activity detection, and compliance program management across our money-movement platform.The ideal candidate has hands-on experience in BSA/AML-related workflows, ACH and bank-rail risk, and operational compliance within a payments or fintech environment.

You’ll work closely with our Chief Compliance Officer as well as our Customer Success, and Product teams. You will also interact with our processing and bank partners to monitor daily transactional activity, manage escalations, and help maintain a secure, compliant payment ecosystem.

You’re a great fit if you are detail-oriented, analytical, and excited about scaling monitoring programs and compliance processes at a company entering hyper-growth.

About the role:

Transaction Monitoring & Unusual Activity Detection

• Monitor incoming and outgoing payment flows for indicators of suspicious or anomalous behavior

• Conduct investigations into unusual transaction patterns, merchant activity spikes, potential structuring, and irregular return activity

• Review ACH return codes (e.g., R01, R07, R10, R29) for fraud, unauthorized activity, and systematic merchant issues

• Identify emerging fraud typologies, payment abuse patterns, and compliance risks in real time

• Escalate cases requiring enhanced review and prepare documentation for compliance leadership and bank partners

Compliance Operations & Regulatory Support

• Assist with BSA/AML operations including unusual activity report decisioning, customer due diligence and ongoing merchant monitoring

• Process and track complaints/disputes and work with internal teams to ensure timely and compliant resolution

• Perform KYB reviews, including ownership verification, business model, sanctions checks, and risk scoring

• Maintain accurate compliance logs, case files, and audit-ready documentation

• Triage and resolve merchant or customer issues involving compliance or risk considerations

• Support periodic internal and partner audits and respond to compliance-related inquiries

• Other duties, as needed

Qualifications

• 2–5+ years experience in transaction monitoring, AML/BSA compliance, payments risk, or fintech operations

• Strong understanding of ACH payment rails, NACHA rules, and common fraud/return scenarios

• Experience reviewing and escalating suspicious/unusual activity, including preparation of case notes or escalation packets

• Understanding of BSA/AML reporting requirements

• Familiarity with AML fundamentals such as KYC/KYB, OFAC, and sanctions screening

• Excellent analytical skills with the ability to detect patterns, anomalies, and early indicators of risk

• High attention to detail and ability to manage sensitive, high-stakes workflows

• Strong communication skills and comfort working cross-functionally

Preferred but not required

• Experience at a payments processor, sponsor bank, BaaS platform, or high-growth fintech

• Prior work with transaction-monitoring systems, fraud tools, or compliance case-management platforms

• Interest in modernizing large-ticket payment systems and bank-rail risk infrastructure

Compensation

Salary range: $75,000 - $90,000

Employee compensation also includes equity incentives and certain benefits. Final offer terms are based on multiple factors including experience and skills, and may potentially vary from the amounts initially listed.