Lead Analyst, Financial Crimes

The posting, as Chime wrote it

About the role

Chime's Financial Crimes team protects millions of members from money laundering, fraud, and the organized networks that target consumer financial platforms. We work in a bank-partner model: we run detection and investigation, and we escalate unusual activity to our bank partners, who hold the filing obligation. That means our written work product is read by outside parties, and the quality bar is correspondingly high.

This is a senior individual contributor role. You will set the standard for how financial crime work is done here rather than working a queue — defining what good looks like, raising the ceiling for the analysts you lead, and owning the hardest problems on the team end to end.

In this role, you can expect to

• Operate with minimal direction on problems that arrive ambiguous, and you define the approach rather than waiting for one.
• Set the quality standard others calibrate to with defensible judgement calls.
• Move work across team boundaries without formal authority, and you are trusted to represent Financial Crimes to partners outside the function.
• Raise the ceiling of the people around you — through calibration, coaching, documentation, and the examples you set in your own casework.
• Improve the system, not just the case. Every hard investigation should leave behind something reusable: a control, a procedure, a detection change, or a documented typology.
• What you will own:
• Vendor Management. You will lead, and support, a team of analysts.
• Vendor team quality. You sample operations work, run calibration with partners, keep apprised of quality assurance trends, and hold quality and productivity expectations where they belong.
• Risk trend analysis. You understand AML and Fraud risks well enough to follow the pattern of unusual activity across accounts, devices, funding sources, counterparties, and behavioral patterns, and you can show the shape of a network in a way a non-investigator understands.
• Typology development. You document new and evolving schemes, make them teachable to the wider team, identify if opportunities in coverage are needed, and own the creation of coverage with partners as appropriate.
• Operational rollout of new coverage. When a new typology or scenario goes live, you design how it will be worked — routing, procedure, evidence standard, and quality checks — before the first alert lands.
• Procedures and documentation. You own the SOPs for your area and keep them in a state where a third party could read them cold and understand what we do and why.
• Audit and exam readiness. You prepare the operational side for internal audit, independent testing, and bank partner reviews, and you own remediation of findings assigned to operations through to closure.

To thrive in this role, you have

• 7+ years in financial crime, fraud, or risk investigations at a bank, fintech, payments company, or comparable regulated environment.
• Working command of BSA, the USA PATRIOT

[…]
ive health, financial, and wellbeing benefits designed to support you at every stage of life.

• 🏝 Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
• 👪 Access to family planning reimbursement
• 💚 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.

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: accommodations@chime.com .

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