Senior Analyst, AML Governance & Advisory

About the Role

We are hiring a Senior Analyst for AML Governance & Advisory in Chimes Financial Crimes & Identity function. Financial Crimes is responsible for strengthening and maintaining the governance framework supporting Chimes 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 $112000.00 and up to $155000.00. 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

• Lead and enhance governance frameworks supporting the BSA/AML and OFAC programs ensuring clear ownership accountability and effective oversight.
• Drive governance routines executive reporting committee materials and escalation processes in a fast-paced regulatory environment.
• Track analyze and report on program risks issues remediation plans and control effectiveness to promote transparency and informed decision-making.
• 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.
• 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.
• Prepare comprehensive materials for regulatory exams bank partner reviews and internal/external audits maintaining audit-ready documentation repositories.
• Coordinate audit responses and drive remediation efforts with clear milestones measurable outcomes and strong follow-through.
• Collaborate cross-functionally with Compliance Risk Operations Product and other stakeholders to influence outcomes support change initiatives and implement scalable governance improvements.

To thrive in this role you have

• CAMS CFCS CRCM or similar certification.
• Experience working in a fintech bank or high-growth regulated environment.
• Familiarity with enterprise risk management frameworks and control documentation.
• Experience building executive or Board-level reporting materials.
• Experience driving automation or process improvement initiatives within a compliance or risk function
• Innovative mindset with focus on automation and scalability
• Ability to operate with urgency and thrive in a fast paced environment
• Adaptable in unexpected situations comfortable dealing with ambiguity and uncertainty.
• Deep knowledge in FinCEN regulatory compliance requirements OCC FFIEC and state compliance program focused on consumer banking payments and lending
• Have 6 years of work experience including:
• Deep AML program solution and design and AML/FinCrimes advisory
• Working within a high growth Fintech startup desired

#LI-EI1 #LI-Hybrid

A little about us

At Chime we believe that everyone can achieve financial progress. We created Chimea 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 its starting a savings account purchasing a first car or home launching a business or pursuing higher education were proud to have helped millions unlock their financial potential.

Were 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 owners 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 peoples trustso we hold ourselves to the highest standards of integrity in everything we do. These arent just words on a wallour 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 dontwho 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 for our full-time regular employees

• 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 youre coming in regularly or are part of our fully remote program youll 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**
• 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 Chimersthink 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**

**Perks also available to Chime Interns.

We know that great work cant be done without a diverse team and inclusive environment. Thats 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: .

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