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About the Role

Chime's Financial Crimes team safeguards members from financial crime by detecting and investigating suspicious activity, escalating findings to bank partners. This senior individual contributor role involves setting standards for financial crime work, defining best practices, and owning complex investigations end-to-end.

Responsibilities

Operate with minimal direction on ambiguous problems, defining the approach.
Set the quality standard for others through defensible judgment calls.
Influence cross-functional teams without formal authority and represent Financial Crimes to external partners.
Elevate team performance through calibration, coaching, documentation, and leading by example.
Improve operational systems by creating reusable assets like controls, procedures, detection changes, or documented typologies from investigations.
Manage and support a team of analysts.
Oversee vendor team quality by sampling operations work, running calibrations, monitoring quality assurance trends, and managing quality and productivity expectations.
Analyze risk trends, understand AML and Fraud risks, identify patterns in unusual activity, and visualize network shapes for non-investigators.
Develop and document new and evolving schemes, make them teachable, identify coverage gaps, and collaborate with partners to create necessary coverage.
Design the operational rollout of new coverage, including routing, procedures, evidence standards, and quality checks.
Own and maintain Standard Operating Procedures (SOPs) for clarity and third-party understanding.
Prepare operations for audit and exam readiness, and manage the remediation of findings.

Requirements

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 Act, OFAC requirements, and unusual/suspicious activity reporting standards.
Deep experience across the transaction monitoring alert lifecycle at real volume, including operational tradeoffs.
Real typology depth across both money laundering and fraud, including mule and money movement networks, first-party fraud, synthetic and stolen identity, scams and social engineering, and elder financial exploitation.
Hands-on involvement in scenario tuning or threshold work with data or risk partners, understanding the cost of threshold changes.
Experience overseeing vendor or outsourced investigation teams.
Judgment to distinguish cases requiring significant time from those requiring less.
Comfort with sustained ambiguity and the judgment to know when to stop pursuing non-viable hypotheses.
Advanced SQL proficiency.
Fluency with graph or link analysis tooling for mapping relationships at scale.
CAMS, CFE, or equivalent certification preferred.

Skills

Financial crime investigation
Fraud investigation
Risk investigation
AML
BSA
USA PATRIOT Act
OFAC
Transaction monitoring
Typology development
Vendor management
SQL
Graph analysis
Link analysis

Location

Onsite

Work Type

Full-time
Hybrid

Experience Level

Senior

Salary/Compensations

$139,000.00 - $193,000.00

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 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

Chime is a financial technology company focused on making core banking services helpful, easy, and free to empower members towards financial progress.
The company utilizes user-friendly tools and intuitive platforms to help millions achieve their financial goals, from saving to purchasing assets and pursuing education.
Chime is driven by a team of problem solvers, dreamers, and builders dedicated to their members, operating with an owner's mindset and a commitment to excellence.
The culture is entrepreneurial, encouraging boldness, big dreams, risk-taking, collaboration, and embracing diverse perspectives.
Integrity is a core value, guiding all business aspects to help everyday Americans achieve financial progress.
*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.

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.
We will also consider qualified applicants with criminal histories in a manner consistent with 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.