Senior Analyst, Financial Crimes & Identity Quality

Chime•3h ago

United StatesOnsite$112K–$155KFull-timeSenior Level4+ yrs exp

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Financial AnalystController

About the role
The Senior Analyst, Financial Crimes & Identity Quality is responsible for performing and helping lead quality reviews across Financial Crimes and Identity workflows, including the quality of unusual banking transaction investigations by reviewing customer account activity in order to identify and evaluate atypical activity. This role evaluates completed investigations, supporting documentation
case decisions across AML, fraud, KYC/CDD, watchlist, negative news
EDD to validate accuracy, completeness, consistency
adherence to applicable policies, procedures, regulatory requirements
bank partner expectations.
The base salary offered for this role and level of experience will begin at $112,000.00
up to $155,000.00. Full-time employees are also eligible for a bonus, competitive equity package
benefits. The actual base salary offered may be higher, depending on your location, skills, qualifications
In this role, you can expect to
Lead complex quality assurance sampling and reviews across Financial Crimes and Identity workflows, including Transaction Monitoring no-file and UAR alerts, bank referrals, fraud referrals, KYC/CDD, watchlist, negative news, and EDD reviews.
Review customer account activity, investigative narratives, supporting documentation, case decisions, and supporting evidence to validate the accuracy, completeness, and sufficiency of completed investigations.
Leverage data and quality findings to identify anomalies, quality trends, root causes, and emerging risks across internal and BPO/vendor investigative work.
communicate quality findings in a clear and actionable way, including defects, policy interpretation gaps, coaching themes
opportunities to strengthen consistency across Financial Crimes and Identity.
Deliver QA feedback and coaching to investigators, QA peers, BPO/vendor teams, and BPO/vendor leadership
help facilitate calibration sessions and champion a quality-first mindset by translating quality trends into clear expectations, coaching strategies, and practical accountability routines.
Partner with Financial Crimes, Identity, Risk, Bank Partner, and vendor operations teams to support procedure updates, quality expectations, and operational improvements.
Produce quality reporting and insights that help leadership understand trends, review consistency, and areas where process or control improvements may be needed.
Navigate complex policy interpretation, and edge-case decisioning, and raise concerns or proposed solutions when quality or risk gaps are identified.
Lead or support QA projects, readiness for new or changing workflows, case reviews, and other job related duties or special projects as assigned.
Approximately 10% travel may be required.
To thrive in this role, you have
4+ years banking, risk management, or fraud detection/investigation experience.
ACAMS certification is a plus
Prior experience with Fraud and/or AML investigations, with a preference for both, including the ability to identify potential unusual activity, draft/review Unusual Activity Reports, review no-file decisions
train or coach others on these processes.
Experience with KYC/Identity workflows, including CDD, watchlist screening, negative news, and EDD.
Prior quality assurance or quality control experience within Financial Crimes, AML, Fraud, Identity, or a related compliance function.
Experience working with BPO/vendor investigation teams, including reviewing quality outcomes, driving calibration, and providing feedback or coaching.
Excellent organizational and time management skills, with the ability to multi-task, maintain accuracy, and meet deadlines in a fast paced, high volume environment.
Effective analytical and problem solving skills, with abilities in analyzing data patterns, investigating customer transactions, and translating findings into quality trends and actionable insights.
Self starter possessing the ability to work independently while supporting a team environment.
Strong attention to detail and high concern for data accuracy with the ability to follow directions and apply proper policies, procedures and guidelines.
Knowledgeable of the laws applicable to money laundering, including the Bank Secrecy Act, the USA PATRIOT Act, US Treasury AML guidelines, OFAC requirements
Unusual/Suspicious Activity Reporting requirements preferred.
Proficiency with, or ability to quickly gain proficiency with, case management systems, internal tools, Microsoft Office applications (Excel, Word), Google products, and large subsets of data.
Experience identifying and advancing AI-enabled quality use cases, including creating reusable skills or agent workflows, defining practical guardrails, validating outputs against policies and bank partner expectations
translating quality trends into automation opportunities.
Strong written and verbal communication skills, including the ability to explain complex quality findings to operations, compliance, risk, bank partner, and vendor stakeholders.
Ability to navigate ambiguous or complex fact patterns, apply good judgment, and constructively provide feedback to BPO agents.
#LI-EI1 #LI-Onsite
A little about us
At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy
free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business
pursuing higher education, we're proud to have helped millions unlock their financial potential.
We're a team of problem solvers, dreamers
builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company
We believe in being bold, dreaming big
also working together, embracing our diverse perspectives
giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.
We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.
Because if we don't—who will?
*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
What we offer for our full-time, regular employees
🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.
💻 In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute
💰 Competitive salary based on experience
✨ 401k match plus great medical, dental, vision, life, and disability benefits
🏝 Generous vacation policy and company-wide Chime Days, bonus company-wide paid days off
🫂 1% of your time off to support local community organizations of your choice
👟 Annual wellness stipend to use towards eligible wellness related expenses
👶 Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
👪 Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.
🎉 In-person and virtual events to connect with your fellow Chimers—think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!
💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress
We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds
ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.
Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status
any other legally protected basis under provincial, federal, state
local laws, regulations
ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act
the LA City Fair Chance Ordinance
consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: benefits@chime.com .
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice .

Required skills

bankingrisk managementfraud detectionAMLKYCCDDquality assurancequality control