Lead Analyst, Financial Crimes

Chime's Financial Crimes team protects millions of members from money laundering, fraud, and organized networks. This is a senior individual contributor role: you will set the standard for financial crime work, define what good looks like, raise the ceiling for analysts, and own the hardest problems end to end.

• Vendor management: lead and support a team of analysts; sample operations work, run calibration with partners, and hold quality and productivity expectations.
• Risk trend analysis: follow patterns of unusual activity across accounts, devices, funding sources, counterparties, and behavioral patterns; show network shape to non-investigators.
• Typology development: document new schemes, make them teachable, identify coverage gaps, and own creation of coverage with partners.
• Operational rollout of new coverage: design routing, procedure, evidence standard, and quality checks before alerts land.
• Procedures and documentation: own SOPs for your area, keeping them clear for third parties.
• Audit and exam readiness: prepare for internal audit, independent testing, and bank partner reviews; own remediation of findings.

• 7+ years in financial crime, fraud, or risk investigations at a bank, fintech, payments company, or comparable regulated environment.
• Working command of BSA, USA PATRIOT Act, OFAC requirements, and unusual/suspicious activity reporting standards.
• Deep experience across the transaction monitoring alert lifecycle at real volume.
• Real typology depth across money laundering and fraud (mule networks, first-party fraud, synthetic identity, scams, elder financial exploitation).
• Hands-on involvement in scenario tuning or threshold work.
• Experience overseeing vendor or outsourced investigation teams.
• Advanced SQL and fluency with graph or link analysis tooling.
• CAMS, CFE, or equivalent certification preferred.

Base salary: $139,000—$193,000 USD. Full-time employees may be eligible for bonus(es), competitive equity, and benefits. Benefits include backup child, elder, and pet care, subsidized commuter benefits, comprehensive health/financial/wellbeing benefits, generous vacation and company-wide paid days off, annual wellness stipend, up to 22 weeks paid parental leave for birthing parents and 12 weeks for non-birthing parents, and family planning reimbursement.

In-office work policy: four days a week in the office and Fridays from home for those near one of our offices; fully remote program also available.