Sr. Analyst, Identity & KYC

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.  

• 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

• 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

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.