Senior Analyst, Financial Crimes & Identity Quality

Job description

<h2><span style="font-family: helvetica, arial, sans-serif;"><strong>About the role&nbsp;</strong></span></h2> <p><span style="font-family: helvetica, arial, sans-serif;">The Senior Analyst, Financial Crimes &amp; Identity Quality is responsible for performing and helping lead quality reviews across Financial Crimes and Identity workflows, including the quality of unusual banking transaction investigations by reviewing customer account activity in order to identify and evaluate atypical activity. This role evaluates completed investigations, supporting documentation, and case decisions across AML, fraud, KYC/CDD, watchlist, negative news, and EDD to validate accuracy, completeness, consistency, and adherence to applicable policies, procedures, regulatory requirements, and bank partner expectations.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">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.&nbsp;</span></p> <h2><span style="font-family: helvetica, arial, sans-serif;"><strong>In this role, you can expect to</strong></span></h2> <ul> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Lead complex quality assurance sampling and reviews across Financial Crimes and Identity workflows, including Transaction Monitoring no-file and UAR alerts, bank referrals, fraud referrals, KYC/CDD, watchlist, negative news, and EDD reviews.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Review customer account activity, investigative narratives, supporting documentation, case decisions, and supporting evidence to validate the accuracy, completeness, and sufficiency of completed investigations.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Leverage data and quality findings to identify anomalies, quality trends, root causes, and emerging risks across internal and BPO/vendor investigative work.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Identify, document, and communicate quality findings in a clear and actionable way, including defects, policy interpretation gaps, coaching themes, and opportunities to strengthen consistency across Financial Crimes and Identity.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Deliver QA feedback and coaching to investigators, QA peers, BPO/vendor teams, and BPO/vendor leadership; help facilitate calibration sessions and champion a quality-first mindset by translating quality trends into clear expectations, coaching strategies, and practical accountability routines.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Partner with Financial Crimes, Identity, Risk, Bank Partner, and vendor operations teams to support procedure updates, quality expectations, and operational improvements.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Produce quality reporting and insights that help leadership understand trends, review consistency, and areas where process or control improvements may be needed.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Navigate complex policy interpretation, and edge-case decisioning, and raise concerns or proposed solutions when quality or risk gaps are identified.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Lead or support QA projects, readiness for new or changing workflows, case reviews, and other job related duties or special projects as assigned.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Approximately 10% travel may be required.</span></li> </ul> <h2><span style="font-family: helvetica, arial, sans-serif;"><strong>To thrive in this role, you have</strong></span></h2> <ul> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">4+ years banking, risk management, or fraud detection/investigation experience.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">ACAMS certification is a plus</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Prior experience with Fraud and/or AML investigations, with a preference for both, including the ability to identify potential unusual activity, draft/review Unusual Activity Reports, review no-file decisions, and train or coach others on these processes.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Experience with KYC/Identity workflows, including CDD, watchlist screening, negative news, and EDD.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Prior quality assurance or quality control experience within Financial Crimes, AML, Fraud, Identity, or a related compliance function.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Experience working with BPO/vendor investigation teams, including reviewing quality outcomes, driving calibration, and providing feedback or coaching.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Excellent organizational and time management skills, with the ability to multi-task, maintain accuracy, and meet deadlines in a fast paced, high volume environment.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Effective analytical and problem solving skills, with abilities in analyzing data patterns, investigating customer transactions, and translating findings into quality trends and actionable insights.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Self starter possessing the ability to work independently while supporting a team environment.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Strong attention to detail and high concern for data accuracy with the ability to follow directions and apply proper policies, procedures and guidelines.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Knowledgeable of the laws applicable to money laundering, including the Bank Secrecy Act, the USA PATRIOT Act, US Treasury AML guidelines, OFAC requirements, and Unusual/Suspicious Activity Reporting requirements preferred.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Proficiency with, or ability to quickly gain proficiency with, case management systems, internal tools, Microsoft Office applications (Excel, Word), Google products, and large subsets of data.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Experience identifying and advancing AI-enabled quality use cases, including creating reusable skills or agent workflows, defining practical guardrails, validating outputs against policies and bank partner expectations, and translating quality trends into automation opportunities.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Strong written and verbal communication skills, including the ability to explain complex quality findings to operations, compliance, risk, bank partner, and vendor stakeholders.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Ability to navigate ambiguous or complex fact patterns, apply good judgment, and constructively provide feedback to BPO agents.&nbsp;</span></li> </ul> <p><span style="font-family: helvetica, arial, sans-serif;"><span data-sheets-root="1">#LI-EI1 </span>#LI-Onsite</span></p><div class="content-conclusion"><h2><span style="font-family: helvetica, arial, sans-serif;"><strong>A little about us</strong></span></h2> <p><span style="font-family: helvetica, arial, sans-serif;">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.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">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 ver