Lead Analyst, Financial Crimes
Chime · Chicago, IL
- On site
- Full-time
- $139,000 / year
- Chicago, IL
Job highlights
- Investigate unusual account activity and financial crime.
- Collaborate with internal teams and bank partners.
- Identify emerging trends and transactional risks.
- Ensure regulatory compliance and protect members.
- Drive high-quality investigations and improve detection.
About the role
About The Role
We’re hiring a Lead Analyst, Financial Crimes to support operations of our transaction monitoring program designed to identify and investigate unusual activity across our member accounts. You’ll work closely with internal teams and bank partners to assess risk, surface insights, and ensure we’re meeting regulatory expectations while protecting our members. As a Lead Analyst, you’ll play a key role in driving high-quality investigations and improving how we detect and respond to financial crime.
The base salary offered for this role and level of experience will begin at $139,000.00 and up to $193,000.00. 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.
In this role, you can expect to
- Review account activity using monitoring tools to identify potentially unusual or suspicious behavior
- Work with vendor partners to ensure quality and productivity expectations are met
- Identify emerging trends and transactional risks that warrant monitoring coverage
- Partner with bank partners to evaluate risk and respond to escalations
- Update processes and ensure documentation is maintained up to date
- Recommend account actions (e.g., retention or closure) based on findings
- Identify trends or anomalies through data and contribute to process improvements
To thrive in this role, you have
- 5+ years of experience in financial crimes, fraud, or risk investigations
- Strong knowledge of AML regulations (BSA, USA PATRIOT Act, OFAC, SAR/UAR reporting)
- Experience identifying suspicious activity and conducting end-to-end investigations
- Ability to analyze transaction data and identify patterns or anomalies
- Strong attention to detail and ability to work in a high-volume environment
- Experience working cross-functionally and communicating with external partners
- CAMS certification (preferred)
A Little About Us
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.
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 very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and 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. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.
Because if we don't—who will?
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.
What We Offer For Our Full-time, Regular Employees
- 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
We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.
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.
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.
Key skills/competency
- Financial Crimes
- Risk Investigations
- AML Regulations
- Transaction Monitoring
- Fraud investigations
- SAR/UAR Reporting
- Data Analysis
- Risk Assessment
- Regulatory Compliance
- Chime Lead Analyst
Skills & topics
- Lead Analyst
- Financial Crimes
- Fraud Investigations
- Risk Management
- AML
- BSA
- USA PATRIOT Act
- OFAC
- SAR Reporting
- Transaction Monitoring
- Data Analysis
- Regulatory Compliance
- FinTech
- Investigation
- Chime
How to get hired
- Tailor your resume: Highlight your 5+ years of financial crimes experience and knowledge of AML regulations like BSA, USA PATRIOT Act, and OFAC.
- Showcase investigation skills: Emphasize your proven ability to identify suspicious activity and conduct end-to-end investigations, including SAR/UAR reporting.
- Quantify achievements: Use data to demonstrate your success in analyzing transaction data, identifying patterns, and contributing to process improvements.
- Prepare for technical questions: Be ready to discuss your experience with monitoring tools, data analysis, and risk assessment in financial crime contexts.
- Understand Chime's mission: Research Chime's commitment to financial progress and how your role directly supports member protection and regulatory compliance.
Technical preparation
Behavioral questions
Frequently asked questions
- What is the typical career progression for a Lead Analyst, Financial Crimes at Chime?
- While specific paths can vary, a Lead Analyst at Chime often progresses into more senior analytical roles, team leadership positions within financial crimes, or specialized areas like fraud strategy or compliance management. Your growth will be supported by your performance, demonstrated leadership potential, and the company's evolving needs.
- How does Chime's hybrid work policy impact the Lead Analyst, Financial Crimes role?
- For this Lead Analyst role, Chime's hybrid policy means you'll be expected to work in the office four days a week, with Fridays from home if you are near an office location. This structure is designed to foster collaboration and team connection while offering some flexibility.
- What specific AML regulations are most critical for a Lead Analyst, Financial Crimes at Chime?
- A strong understanding of BSA, USA PATRIOT Act, OFAC, and experience with SAR/UAR reporting are crucial for this Lead Analyst position. These regulations form the backbone of our transaction monitoring and financial crime investigation efforts.
- How does Chime use technology in its financial crimes program?
- Chime utilizes various monitoring tools to identify unusual account activity. As a Lead Analyst, you'll work with these tools to investigate, analyze transaction data, and identify patterns or anomalies indicative of financial crime.
- What does 'end-to-end investigation' mean for a Lead Analyst, Financial Crimes at Chime?
- An end-to-end investigation means you will be responsible for the entire lifecycle of an investigation, from initial detection of suspicious activity using monitoring tools through to analysis, documentation, recommendation of actions, and reporting (e.g., SAR/UAR filing).
- Is CAMS certification required for the Lead Analyst, Financial Crimes position at Chime?
- CAMS certification is preferred, not strictly required, for the Lead Analyst, Financial Crimes role. While it's a strong asset that demonstrates expertise, candidates with significant experience and a deep understanding of AML regulations will also be highly considered.
- How does Chime partner with bank partners in the context of financial crimes?
- Chime collaborates closely with bank partners to evaluate risk and respond to escalations. As a Lead Analyst, you will engage with these partners to ensure coordinated efforts in identifying and mitigating financial crime risks.