Senior Analyst, Financial Crimes & Identity Quality

Chime; Chicago (IL); On-site; USD 112,000 - 155,000; Full time

Benefits offered by this job

401(k) match

Medical benefits

Dental benefits

Vision benefits

Paid time off

Parental leave

Wellness stipend

Job summary

Chime is seeking a Senior Analyst for Financial Crimes & Identity Quality. You will lead quality reviews across AML, fraud, KYC/CDD, and watchlists, evaluating investigations and supporting documents to ensure accuracy and policy compliance. Travel about 10% may be required.

The role offers base salary from $112,000 to $155,000 with bonus eligibility, equity, and comprehensive benefits. Remote work options are not specified; location is Chicago, IL.

Qualifications

• 4+ years of banking, risk management or fraud detection/investigation experience.
• ACAMS certification is a plus.
• Experience with fraud and/or AML investigations.
• Experience with KYC/Identity workflows (CDD, watchlist, negative news, EDD).
• Quality assurance or quality control in Financial Crimes/AML/fraud/identity.
• Experience with BPO/vendor investigation teams and coaching.

Responsibilities

• Lead QA sampling and reviews across Financial Crimes and Identity workflows.
• Review investigations, documentation and case decisions for accuracy and completeness.
• Identify anomalies, trends and risks from QA findings.
• Communicate defects, policy gaps and coaching opportunities clearly.
• Provide QA feedback and coaching to investigators and teams.
• Support procedure updates and operational improvements with stakeholders.
• Produce quality reports and insights for leadership.

Skills

Quality Assurance

AML & Fraud

KYC/CDD

Data analysis

Attention to detail

Communication

ACAMS

Job description

Overview

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. The base salary offered for this role and level of experience will begin at $112,000.00, and up to $155,000.00. Full‑time employees are also eligible for a bonus, competitive equity package and benefits. The actual base salary offered may be higher, depending on location, skills, qualifications and experience.

Responsibilities

• 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 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, 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.

Qualifications

• 4+ years of 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.
• Knowledge 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.

Benefits

• In‑office work policy designed to keep you connected – 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.
• 401(k) match and comprehensive medical, dental, vision, life, and disability benefits.
• 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 toward 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 a family planning tool with lifetime reimbursement for egg freezing, fertility treatments, adoption and related services.
• In‑person and virtual events to connect with your fellow team members.
• A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress.

Equal Opportunity Employer

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 and 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, 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 [e-mail].

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