Compliance Analyst, Fraud & Disputes (Contract)

As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.

We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey.

EarnIn seeks a highly analytical and detail-oriented Compliance Analyst with fraud and dispute experience to join our dynamic team. This role combines responsibilities from fraud and dispute investigations with compliance advisory duties to mitigate risks and adhere to regulatory standards within a fast-paced fintech environment. In this role, you will apply a data-driven approach to assess and improve business processes, compliance controls ,make sound fraud decisions, and risk management strategies across deposits, payments, and lending.

This is a remote, contract position that offers a unique opportunity to make a meaningful impact in a dynamic, fast-paced environment. The US base salary range for this position is $80,000 - $90,000 + equity + benefits. Our salary ranges are determined by role, level, and location.

• Fraud and Disputes Responsibilities:
• Conduct routine to complex fraud investigations, applying professional judgment to analyze and resolve cases efficiently.
• Investigate and process Regulation Z/E claims (ACH/Card Disputes).
• Execute Visa chargeback processes effectively.
• Conduct informational and admission-seeking interviews with stakeholders including victims, witnesses, or suspects.
• Monitor and analyze financial transactions to proactively identify and mitigate fraud risks.
• Balance customer experience with risk management practices.
• Compliance Advisory Responsibilities:
• Collaborate with product and marketing teams ensuring adherence to consumer protection regulations across deposits, payments, and lending products.
• Conduct research and document regulatory changes impacting current and new products.
• Support maintenance and improvement of compliance policies, procedures, and controls through routine reviews.
• Participate in compliance risk assessments and support ongoing monitoring and testing activities.
• Assist in creating and delivering tailored compliance training materials to various internal teams.
• Assist with maintaining compliance tools by regularly updating and refining system rules and logic, including the addition, modification, and testing of new compliance requirements to ensure ongoing accuracy and effectiveness.
• Provide guidance and clear documentation to stakeholders regarding regulatory compliance expectations and frameworks.

What We're Looking For:

• 3+ years of experience in fraud investigations, dispute resolution, compliance, or risk management within fintech, banking, or financial services.
• Bachelor's degree or equivalent professional experience.
• Proven expertise in processing chargeback claims and understanding regulatory frameworks such as Regulation Z, Regulation E, Gram-Leach-Bliley Act, and other financial compliance laws.
• Strong analytical, organizational, and critical thinking skills, with the ability to multitask and adapt in a rapidly changing environment.
• Proficiency in Excel/Sheets (including foundational analytical tools), PowerPoint/Slides, and basic understanding of financial compliance controls.
• Strong written and verbal communication skills.
• Demonstrated professionalism, discretion, and the ability to manage sensitive information confidentially.
• Creative problem-solving abilities with a customer-first mindset.
• Demonstrated ability to perform security and risk assessments.
• Preferred experience in fintech or similarly fast-paced financial environments.

At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant. 

EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.