Senior Analyst, AML Governance & Advisory at Chime

Chicago, IL, USAFull-timeRiskPosted 15 days ago

About the Role

<h2>About the Role</h2> We are hiring a Senior Analyst for AML Governance & Advisory in Chime’s Financial Crimes & Identity function. Financial Crimes is responsible for strengthening and maintaining the governance framework supporting Chime’s BSA/AML and OFAC compliance programs. This role ensures policies, procedures, controls, and reporting structures align with regulatory expectations, partner bank contractual obligations, internal risk appetite, and evolving financial crime risks. This position requires someone who thrives in a fast-paced, high-growth environment and can balance regulatory rigor with operational agility. The ideal candidate is proactive, assertive, and solutions-oriented,  capable of driving initiatives forward, challenging the status quo, and identifying opportunities to automate and streamline governance processes. The analyst partners cross-functionally with Compliance, Risk, Legal, Financial Crimes’ Operations, Product, and Engineering to drive effective oversight, documentation, and continuous program maturity. Chime onboards thousands of accounts and processes hundreds of millions of dollars in transactions every week, including debit card purchases, transfers between banks, P2P payments, direct deposits, and more. The Compliance team is responsible for ensuring these transactions and their underlying products and features are built in a compliant manner with sufficient controls. 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 your location, skills, qualifications, and experience. <h2>In this role, you can expect to</h2> <ul> <li style="font-family: helvetica, arial, sans-serif;">Lead and enhance governance frameworks supporting the BSA/AML and OFAC programs, ensuring clear ownership, accountability, and effective oversight.</li> <li style="font-family: helvetica, arial, sans-serif;">Drive governance routines, executive reporting, committee materials, and escalation processes in a fast-paced regulatory environment.</li> <li style="font-family: helvetica, arial, sans-serif;">Track, analyze, and report on program risks, issues, remediation plans, and control effectiveness to promote transparency and informed decision-making.</li> <li style="font-family: helvetica, arial, sans-serif;">Draft, update, and maintain BSA/AML and OFAC policies, standards, and procedures in alignment with regulatory requirements and bank partner obligations. Manage the full policy lifecycle, including version control, periodic reviews, approvals, and proactive assessment of regulatory changes and their impact.</li> <li style="font-family: helvetica, arial, sans-serif;">Partner with Financial Crimes and Risk teams to support risk assessments, document controls and control owners, and strengthen control frameworks. Develop and enhance KPIs, KRIs, dashboards, and reporting to deliver actionable insights and improve control oversight through data and automation.</li> <li style="font-family: helvetica, arial, sans-serif;">Prepare comprehensive materials for regulatory exams, bank partner reviews, and internal/external audits, maintaining audit-ready documentation repositories.</li> <li style="font-family: helvetica, arial, sans-serif;">Coordinate audit responses and drive remediation efforts with clear milestones, measurable outcomes, and strong follow-through.</li> <li style="font-family: helvetica, arial, sans-serif;">Collaborate cross-functionally with Compliance, Risk, Operations, Product, and other stakeholders to influence outcomes, support change initiatives, and implement scalable governance improvements.</li> </ul> <h2>To thrive in this role, you have</h2> <ul> <li style="font-family: helvetica, arial, sans-serif;">CAMS, CFCS, CRCM, or similar certification.</li> <li style="font-family: helvetica, arial, sans-serif;">Experience working in a fintech, bank, or high-growth regulated environment.</li> <li style="font-family: helvetica, arial, sans-serif;">Familiarity with enterprise risk management frameworks and control documentation.</li> <li style="font-family: helvetica, arial, sans-serif;">Experience building executive or Board-level reporting materials.</li> <li style="font-family: helvetica, arial, sans-serif;">Experience driving automation or process improvement initiatives within a compliance or risk function</li> <li style="font-family: helvetica, arial, sans-serif;">Innovative mindset with focus on automation and scalability</li> <li style="font-family: helvetica, arial, sans-serif;">Ability to operate with urgency and thrive in a fast paced environment</li> <li style="font-family: helvetica, arial, sans-serif;">Adaptable in unexpected situations, comfortable dealing with ambiguity and uncertainty.</li> <li style="font-family: helvetica, arial, sans-serif;">Deep knowledge in FinCEN regulatory compliance requirements, OCC, FFIEC and state compliance program focused on consumer banking, payments  and lending</li> <li style="font-family: helvetica, arial, sans-serif;">Have 6+ years of work experience, including:</li> <ul> <li style="font-family: helvetica, arial, sans-serif;">Deep AML program solution and design and AML/FinCrimes advisory </li> <li style="font-family: helvetica, arial, sans-serif;">Working within a high growth Fintech startup desired</li> </ul> </ul> #LI-EI1 #LI-Hybrid<div class="content-conclusion"><h2>A little about us</h2> 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. <h2>What we offer for our full-time, regular employees</h2> <ul> <li style="font-family: helvetica, arial, sans-serif;">🏢 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.</li> <li style="font-family: helvetica, arial, sans-serif;">💻 In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute</li> <li style="font-family: helvetica, arial, sans-serif;">💰 Competitive salary based on experience</li> <li style="font-family: helvetica, arial, sans-serif;">✨ 401k match plus great medical, dental, vision, life, and disability benefits</li> <li style="font-family: helvetica, arial, sans-serif;">🏝 Generous vacation policy and company-wide Chime Days, bonus company-wide paid days off</li> <li style="font-family: helvetica, arial, sans-serif;">🫂 1% of your time off to support local community organizations of your choice</li> <li style="font-family: helvetica, arial, sans-serif;">👟 Annual wellness stipend to use towards eligible wellness related expenses</li> <li style="font-family: helvetica, arial, sans-serif;">👶 Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents</li> <li style="font-family: helvetica, arial, sans-serif;">👪 Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.</li> <li style="font-family: helvetica, arial, sans-serif;">🎉 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!</li> <li style="font-family: helvetica, arial, sans-serif;">💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress</li> </ul> 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: <a style="color: rgb(35, 111, 161); text-decoration: underline;" href="mailto:[email protected]">[email protected]</a>. To learn more about how Chime collects and uses your personal information during the application process, please see the <a href="https://www.chime.com/careers/chime-applicant-privacy-notice/">Chime Applicant Privacy Notice. </a></div>

About the Role

Related Roles