Senior Analyst, AML Governance & Advisory

Chime Financial, Inc•Chicago, IL

2d•$112,000 - $155,000•Hybrid

About The Position

We are hiring a Senior Analyst for AML Governance & Advisory in Chime’s Financial Crimes & Identity function. Financial Crimes is responsible for strengthening and maintaining the governance framework supporting Chime’s 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 $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.

Requirements

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

Nice To Haves

Working within a high growth Fintech startup desired

Responsibilities

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.

Benefits

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 you’re coming in regularly or are part of our fully remote program, you’ll 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 Chimers—think 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