🕒 6 days ago
Monitor and investigate suspicious marketplace transactions, assess financial crime risks, and support AML/CTF compliance through case analysis, guidance, and improved monitoring processes.
Sr. Analyst, Identity & KYC
🔥 13 hours ago
KYCOFAC ScreeningWatchlist ScreeningAML Investigations
📜 Description
- Oversee investigators assessing potential watchlist and OFAC matches, including false positives.
- Contact customers for information needed to evaluate activities under review.
- Determine whether screening matches are true positives.
- Apply subject matter expertise in list screening, watchlists, and OFAC requirements.
- Help disposition cases within agreed service-level agreements and recommend relationship retention or termination.
- Track account closures and support related projects as assigned.
🛠️ Requirements
- 5+ years banking, risk management, or fraud detection/investigation experience.
- Prior experience with Fraud and/or AML investigations, with a preference for both, including the ability to identify potentially unusual activity
- Practical experience managing audits, independent reviews, or examinations by bank partners or regulators, including the resolution of identified issues
- 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 and investigating customer transactions.
- 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, and Unusual/Suspicious Activity Reporting requirements preferred
- Proficiency with, or ability to quickly gain proficiency with, banking account monitoring and compliance software tools, Microsoft Office applications (Excel, Word).
- Aptitude and/or curiosity toward adoption of AI tooling is preferred.
✨ Benefits
- 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
- ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
- 🏝 Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
- 👪 Access to family planning reimbursement
- 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress
Full job description
About the role
The Financial Crimes Senior Analyst is responsible for the oversight of KYC and watchlist screening operations, including OFAC, to identify false positives and positive matches.
In this role, you can expect to
- Oversees investigators who leverage data to confirm positive matches or false positives
- Reaches out to customers to understand customer behavior and to obtain any additional details pertinent to evaluating activities under review, if needed.
- Makes a determination whether the match is a true positive.
- In depth subject matter expertise for list screening, watchlist, and OFAC.
- Experience and/or familiarity with Transaction Monitoring and/or Fraud reviews is preferred.
- Performs other job related duties or special projects as assigned.
- Assist with dispositioning cases according to agreed upon business Service Level Agreements (SLAs)
- Recommend relationship retention or termination and track account closures, if required
To thrive in this role, you have
- 5+ years banking, risk management, or fraud detection/investigation experience.
- CAMS certification is a plus
- Prior experience with Fraud and/or AML investigations, with a preference for both, including the ability to identify potentially unusual activity
- Practical experience managing audits, independent reviews, or examinations by bank partners or regulators, including the resolution of identified issues
- 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 and investigating customer transactions.
- 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, and Unusual/Suspicious Activity Reporting requirements preferred
- Proficiency with, or ability to quickly gain proficiency with, banking account monitoring and compliance software tools, Microsoft Office applications (Excel, Word).
- Aptitude and/or curiosity toward adoption of AI tooling is preferred.
- Travel up to 10%.
- At least 4 days in office per week. Chicago location preferred. San Francisco or New York City offices are possible.
#LI-Onsite #LI-BE1
Below is the base salary offered for this role and level of experience. Full-time employees may also be eligible for bonus(es), competitive equity, and benefits. For commissioned roles, the base salary listed in this job description does not include incentive/variable pay. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.
Wage Notice
$112,000-$155,000 USD
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, and 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, or pursuing higher education, we're proud to have helped millions unlock their financial potential.
We're a team of problem solvers, dreamers, and 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, and our members.
We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and 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.
- 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
- ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
- 🏝 Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
- 👪 Access to family planning reimbursement
- 💚 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, and 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, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or 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, and the LA City Fair Chance Ordinance, and 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: accommodations@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.
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