Sr. Analyst, Identity & KYC

Chime Financial • Chicago, IL

9d • Onsite

About The Position

The Financial Crimes Senior Analyst oversees KYC and watchlist screening operations, including OFAC screening, to identify false positives and positive matches. The role oversees investigators who use data to confirm matches, contacts customers when additional information is needed to evaluate activity, and determines whether a match is a true positive. It requires in-depth subject matter expertise in list screening, watchlists, and OFAC. Familiarity with transaction monitoring or fraud reviews is preferred.

The analyst helps disposition cases according to agreed-upon business SLAs, recommends whether customer relationships should be retained or terminated, and tracks account closures when required. The role may also include other related duties or special projects. Travel may be required up to 10%. The position is expected to be in the office at least four days per week; Chicago is preferred, with San Francisco and New York City offices also possible.

Requirements

• At least 5 years of banking, risk management, or fraud detection/investigation experience.
• Prior experience with fraud and/or AML investigations, including the ability to identify potentially unusual activity; experience in both is preferred.
• Practical experience managing audits, independent reviews, or examinations by bank partners or regulators, including resolving identified issues.
• Excellent organizational and time-management skills, with the ability to multitask, maintain accuracy, and meet deadlines in a fast-paced, high-volume environment.
• Effective analytical and problem-solving skills, including analyzing data patterns and investigating customer transactions.
• Ability to work independently while supporting a team environment.
• Strong attention to detail and concern for data accuracy, with the ability to follow directions and apply policies, procedures, and guidelines.
• Proficiency with, or ability to quickly gain proficiency with, banking account-monitoring and compliance software tools and Microsoft Office applications, including Excel and Word.
• Ability to travel up to 10%.
• Work in the office at least 4 days per week.

Nice To Haves

• CAMS certification.
• Experience and/or familiarity with transaction monitoring and/or fraud reviews.
• Knowledge of 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.
• Aptitude for or curiosity about adopting AI tools.

Responsibilities

• Oversee investigators who use data to confirm positive matches or false positives.
• Contact customers as needed to understand their behavior and obtain details relevant to evaluating activity under review.
• Determine whether a match is a true positive.
• Assist with case disposition according to agreed-upon business SLAs.
• Recommend relationship retention or termination and track account closures when required.
• Perform other job-related duties or special projects as assigned.

Benefits

• Eligible full-time employees may receive bonuses, competitive equity, and benefits.
• Backup child, elder, and pet care.
• Subsidized commuter benefits for eligible employees.
• Comprehensive health, financial, and wellbeing benefits.
• Generous vacation policy and company-wide paid days off.
• One percent of time off to support local community organizations of choice.
• Annual wellness stipend for eligible wellness-related expenses.
• Up to 22 weeks of paid parental leave for birthing parents and 12 weeks for non-birthing parents.
• Family planning reimbursement.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed