Lead Analyst, Identity & KYC

About the role 

As an Analyst in Chime’s, Identity & KYC, Financial Crimes and Identity Team you’ll work with a team of seasoned experts who own Chime’s Customer Identification Program to ensure a seamless member onboarding experience while detecting synthetic identity, stolen identity, and more. You will partner with your teammates, Product, Compliance, Analytics, External Vendors, and many more teams to champion and optimize Chime’s Identity Verification program end to end, including Customer Identification, Due Diligence, Fraudulent Account Detection and Investigation, and Enhanced Due Diligence. 

The base salary offered for this role and level of experience will begin at $130,050.00 and up to $180,600.00. 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.

In this role you can expect to (responsibilities)

• Working on engagements related to BSA, AML, OFAC, KYC and all other laws, regulations, and requirements designed to establish processes to detect and prevent money laundering, fraud, sanctions breaches and other financial crimes
• Partner with key cross-functional teams (e.g. FinCrimes Insights, Engineering, and Product, and Member Services) to champion the KYC/Identity program and ensure its effective implementation through dashboarding and control monitoring
• Work closely with third-party vendors to implement and optimize Identity Verification solutions by supporting your teammates with analytics and key insights (e.g. KYC Scorecard rule-building and testing, ScanID tooling, Customer Risk Rating)
• Assist with the development of the Customer Risk Rating methodology in partnership with KYC Execution leads, and support case management improvements
• Assess and execute on any remediation plans from KYC/Identity related audits and inspections from external parties including regulators, and ensuring findings are remediated appropriately
• Propose enhancements and ensure alignment with our banking partners by developing innovative and risk-based strategies to prevent bad actors while managing operational costs
• Support reviews of accounts and intelligence sent by fraud, law enforcement and other agencies to determine if there is an opportunity to strengthen Chime’s defenses and/or engage with banking partners
• Partner with teammates in strategy and execution to develop automation of Identity & KYC alert and case review processes (e.g. automation of L1 review summary)

To thrive in this role you have:

• 3+ years of Financial Crimes or other relevant experience including AML, KYC, Sanctions Screening and/or Fraud, especially in online-only account opening products 
• Intermediate to advanced experience in SQL, as well as experience with dashboarding tools like Looker (preferred) and Tableau
• General understanding and/or experience with Model Governance and Compliance Testing
• Experience working closely with identity verification vendor platforms
• Experience working closely with fraud application detection strategies and scoring logic 
• Knowledge of red flag indicators and typologies used in online and mobile environments for Chime products
• Experience working at a hands-on level with engineers, product managers, data analysts, and operations analysts in building AML processes and systems (e.g. case management)
• Experience interfacing with internal senior management and third-party stakeholders
• Excellent writing, analytical, and executive communication skills
• Functional programming experience with Python, R, etc. to build statistical models is a plus and dynamic customer risk rating applications
• Certified Anti-Money Laundering Specialist (CAMS) certification strongly preferred

A little about us

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.

What we offer

• 🏢 A thoughtful hybrid work policy that combines in-office days and trips to team and company-wide events depending on location to ensure you stay connected to your work and teammates, whether you’re local to one of our offices or remote
• 💻 Hybrid work perks like backup child, elder and/or pet care, as well as a subsidized commuter benefit
• 💰 Competitive salary based on experience
• ✨ 401k match plus great medical, dental, vision, life, and disability benefits
• 🏝 Generous vacation policy and company-wide Chime Days, bonus company-wide paid days off 
• 🫂 1% of your time off to support local community organizations of your choice
• 👟 Annual wellness stipend to use towards 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 Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.
• 🎉 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!
• 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress

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.

We hire candidates of any race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, Veteran status, and any other status. Chime is proud to be an Equal Opportunity Employer and will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance, Cook County Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation, please let us know. 

To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.

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