Sr. Analyst, Identity & KYC

The Financial Crimes Senior Analyst is responsible for the oversight of KYC and watchlist screening operations, including OFAC, to identify false positives and positive matches. 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.

Responsibilities

Oversees KYC and watchlist screening operations, including OFAC, to identify false positives and positive matches; Oversees investigators who leverage data to confirm positive matches or false positives; Reaches out to customers to understand customer behavior and obtain additional details pertinent to evaluating activities under review, if needed; Makes a determination whether the match is a true positive; Provides in-depth subject matter expertise for list screening, watchlist, and OFAC; Assists with dispositioning cases according to agreed upon business Service Level Agreements (SLAs); Recommends relationship retention or termination and tracks account closures, if required; Performs other job related duties or special projects as assigned

Requirements

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

Nice to have

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 and/or curiosity toward adoption of AI tooling

Benefits

Bonus(es) and competitive equity for eligible full-time employees; Benefits including backup child, elder, and pet care and subsidized commuter benefits for eligible employees; Comprehensive health, financial, and wellbeing benefits; Generous vacation policy and 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 and 12 weeks for non-birthing parents; Access to family planning reimbursement