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About the Role

We are hiring a Senior Analyst for AML Governance & Advisory within Financial Crimes & Identity. This team owns the governance framework supporting Chime's BSA/AML and OFAC compliance programs, ensuring alignment with regulatory expectations 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.

Responsibilities

Lead and enhance governance frameworks supporting the BSA/AML and OFAC programs, ensuring clear ownership, accountability, and effective oversight.
Drive governance routines, executive and committee reporting, 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.
Partner with Financial Crimes and Risk teams to support enterprise-wide AML and sanctions risk assessments, document controls and control owners, and strengthen the control framework.
Draft, update, and maintain BSA/AML and OFAC policies, standards, and procedures in alignment with regulatory requirements and bank partner obligations.
Monitor regulatory and guidance developments, assess applicability and impact to Chime, and drive the resulting policy and control updates to completion.
Prepare comprehensive materials for regulatory exams, bank partner reviews, and internal/external audits, maintaining audit-ready documentation repositories.
Coordinate audit and exam responses, and drive remediation efforts with clear milestones, measurable outcomes, and strong follow-through.
Support issues management end to end — from issue intake and root cause analysis through corrective action plan design, validation, and sustainability evidence.
Collaborate cross-functionally to influence outcomes, support change initiatives, and implement scalable governance improvements.

Requirements

5+ years of experience in BSA/AML and OFAC compliance, with significant time spent in a governance, advisory, or second-line capacity at a fintech, bank, or other directly regulated financial institution.
Deep working knowledge of FinCEN, OCC, and FFIEC requirements and examination expectations, with applied experience in consumer banking, payments, or lending.
Exceptional written communication, with demonstrated ability to translate regulatory requirements into clear, defensible policies, procedures, and executive-level narratives.
Experience supporting regulatory examinations, internal or external audits, and bank partner reviews — including request-list management, evidence collection, and interview preparation.
Hands-on issues management experience: authoring corrective action plans, defining validation criteria, and tracking remediation to closure with evidence of sustainability.
Experience contributing to enterprise-wide BSA/AML and sanctions risk assessments, including inherent risk scoring, control effectiveness rating, and residual risk methodology.
Working knowledge of the three lines of defense model, and the judgment to provide credible independent challenge while maintaining strong first-line partnership.
Experience building executive- or Board-level reporting materials and running formal governance and committee routines.
A demonstrated record of driving automation or process improvement within a compliance or risk function.
Strong program management skills, with the ability to run multiple concurrent workstreams against firm regulatory deadlines.
Proven ability to influence across Compliance, Legal, Risk, Product, and Engineering.
Comfort operating with urgency amid ambiguity, shifting priorities, and incomplete information.

Skills

BSA/AML
OFAC compliance
Governance frameworks
Risk assessments
Policy drafting
Regulatory reporting
Issues management
Program management
Data analysis
Process improvement
SQL
BI platforms
GRC platforms
AI tooling

Location

Onsite

Work Type

Full-time
Hybrid

Experience Level

Senior

Education Level

CAMS, CFCS, or a comparable certification

Salary/Compensations

$112,000.00 - $155,000.00

Benefits

Bonus
Competitive equity package
Backup child, elder, and pet care
Subsidized commuter benefits
Comprehensive health, financial, and wellbeing benefits
Generous vacation policy
Company-wide paid days off
1% of your time off to support local community organizations
Annual wellness stipend
Up to 22 weeks of paid parental leave for birthing parents
12 weeks of paid parental leave for non-birthing parents
Access to family planning reimbursement

About the Company

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. We're a team of problem solvers, dreamers, and builders with one shared obsession: 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.

Equal Opportunity

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: benefits@chime.com.