Senior Financial Crimes & Identity Quality Analyst, Chime
$112-155k
Eligible for a bonus + competitive equity package
4+ days a week in office
Mobile banking for the everyday person
Be an early applicant
Mobile banking for the everyday person
1001+ employees
Be an early applicant
$112-155k
Eligible for a bonus + competitive equity package
4+ days a week in office
1001+ employees
Company mission
To make financial peace of mind a reality for millions of everyday people.
Role
Who you are
- 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, and 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, and 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, and 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
What the job involves
- 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, and case decisions across AML, fraud, KYC/CDD, watchlist, negative news, and EDD to validate accuracy, completeness, consistency, and adherence to applicable policies, procedures, regulatory requirements, and bank partner expectations
- 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
- Identify, document, and communicate quality findings in a clear and actionable way, including defects, policy interpretation gaps, coaching themes, and 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
Our take
Chime is part of the growing realm of fintech banks and providers, emphasising straightforward, cost-effective banking solutions. It cuts the expenses tied to basic bank accounts and provides users with greater autonomy in managing their finances.
In contrast to many traditional banks that levy steep fees and hefty penalties for overdrafts while offering meagre interest rates on savings, Chime addresses a crucial gap in the banking sector. Its primary focus is on catering to individuals with modest savings who seek the convenience of automated digital banking.
With a remarkable ascent in its trajectory, Chime's current valuation stands at $11.6B since its 2025 IPO. However, competition remains fierce, with other neobanks like Ally offering similar features and vying for the same customer base. That being said, Chime's IPO, rare in a financially uncertain period, proves that it has shifted from challenger to major player.
Freddie
Company Specialist at Welcome to the Jungle
Insights
0% employee growth in 12 months
Company
Funding (last 2 of 9 rounds)
Aug 2021
$750m
SERIES G
Sep 2020
$485m
SERIES F
Total funding: $2.0bn
Company benefits
- Physical: We believe in taking care of your physical health, so as a Chimer you’ll get medical, dental, and vision insurance, as well as benefits to support your physical activity, family planning, and all of your little Chimers
- Emotional: We know that staying healthy involves a lot more than doctor’s checkups. We partner with Modern Health to help you navigate your mental health, give monthly Take Care of Yourself Days, and want you to take time off when you need it
- Financial: We want Chimers to save and feel financially supported, so we offer savings plans with competitive matching, as well as access to financial planning and legal assistance so that you can find your financial peace of mind
- Social: We’ll celebrate your milestones together with travel stipends, swag, and high-fives and make sure you’re connected to fellow Chimers through our Chime Resource Groups (CRGs) and company events
Company HQ
Nob Hill, San Francisco, CA
Leadership
Chris Britt
(Co-Founder & CEO)Chris worked as an Accenture Management Consultant for 4 years before roles at CMGI, Comscore Networks, and Visa. They left their position as an SVP of Corporate Development at Green Dot Corporation to co-found Chime in November 2012.
Ryan King
(Co-Founder)Ryan worked at Plaxo for 8 years, first as Lead Engineer and then working their way up to VP of Engineering & COO. They went on to be CTO & Vice President at Comcast Silicon Valley Innovation Centre before co-founding Chime.
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