Specialist, Identity, Financial Crimes and Identity

Job Description

About the role

As Chime’s Specialist, Identity, Financial Crimes and Identity, you’ll join our fast-growing Identity team. You’ll work with a team of seasoned experts who own Chime’s Customer Identification Program to ensure a seamless member onboarding experience while detecting synthetic identity, stolen identity, and more. You will partner with Product, vendors, and Financial Services Operations teams to champion and optimize Chime’s Identity Verification program end to end, including Customer Identification, Due Diligence, and Enhanced Due Diligence.

This job cannot be performed in the state of Colorado.

In this role you can expect to

• Work with your team on developing strategy, implementation, and execution of our KYC program
• Partner with key cross-functional teams (e.g. Identity Insights, KYC Engineering, and Financial Services Operations) to champion the KYC program and ensure its effective implementation
• Work closely with third-party vendors to implement and optimize Identity Verification
• Own the Customer Risk Rating methodology in partnership with Insights, and champion its implementation and execution
• Assess and execute on any remediation plans from KYC/Identity related audits and inspections from external parties including regulators, and ensuring findings are remediated appropriately
• Propose enhancements and ensure alignment with banking partners regarding our KYC Program
• Support reviews of accounts and intelligence sent by fraud, law enforcement and other agencies to determine if there is an opportunity to strengthen Chime’s defenses and/or engage with banking partners

To thrive in this role you have

• 4+ years of experience executing BSA/AML and sanctions-related work
• 2+ years in CIP/KYC program implementation, especially for online-only account opening
• Experience working closely with identity verification vendor platforms
• Knowledge of red flag indicators and typologies used in online and mobile environments for Chime products
• Experience working at a hands-on level with engineers, product managers, data analysts, and operations analysts in building AML processes and systems
• Experience interfacing with internal senior management and third-party stakeholders
• Excellent writing, analytical, and executive communication skills
• BA or BS degree
• Certified Anti-Money Laundering Specialist (CAMS) certification strongly preferred

A little about us

We created Chime because we believe everyone deserves financial peace of mind. By eliminating unnecessary fees and helping people grow their savings automatically, we’ve empowered millions of Americans to take control of their finances.

Chime is the largest and fastest-growing U.S. player in the challenger-banking space. Through our banking partners, we offer access to bank accounts with fee-free overdraft, provide members the chance to receive early access to their paychecks, help them improve their credit, and more!

We’ve built one of the most experienced leadership teams in Fintech and were recently valued at over $25.5B. We’ve raised over $1.7B in funding from leading investors including Sequoia Capital Global Equities, SoftBank Vision Fund 2, General Atlantic, Tiger Global, Dragoneer, DST, Coatue, Iconiq, Menlo Ventures and others.

What we offer

• 💰 Competitive salary based on experience
• ✨ 401k match plus the usual medical, dental, vision, life, and disability benefits
• 📝 Quarterly stipend to spruce up your home office
• 🏝 Generous vacation policy and company-wide Take Care of Yourself Days
• 🖥 Virtual events to connect with your fellow Chimers- think cooking classes, 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 create a completely new kind of banking service

We know that great work comes from great, and inclusive teams. At Chime, we specifically look for individuals of varying strengths, skills, backgrounds, and ideas. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.

We hire candidates of any race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, Veteran status, and any other status. Chime is proud to be an Equal Opportunity Employer and will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance. If you have a disability or special need that requires accommodation, please let us know. To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.