Senior Analyst, AML Governance & Advisory

Chicago, IL, USA

Senior Analyst, AML Governance & Advisory – We are hiring a Senior Analyst for AML Governance & Advisory in Chime’s Financial Crimes & Identity function. Financial Crimes is responsible for strengthening and maintaining the governance framework supporting Chime’s BSA/AML and OFAC compliance programs. This role ensures policies, procedures, controls, and reporting structures align with regulatory expectations, partner bank contractual obligations, internal risk appetite, and evolving financial crime risks.

This position requires someone who thrives in a fast-paced, high-growth environment and can balance regulatory rigor with operational agility. The ideal candidate is proactive, assertive, and solutions-oriented, capable of driving initiatives forward, challenging the status quo, and identifying opportunities to automate and streamline governance processes.

The analyst partners cross-functionally with Compliance, Risk, Legal, Financial Crimes’ Operations, Product, and Engineering to drive effective oversight, documentation, and continuous program maturity.

Chime onboards thousands of accounts and processes hundreds of millions of dollars in transactions every week, including debit card purchases, transfers between banks, P2P payments, direct deposits, and more. The Compliance team is responsible for ensuring these transactions and their underlying products and features are built in a compliant manner with sufficient controls.

Compensation – The base salary offered for this role and level of experience will begin at $ and up to $. 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

• Lead and enhance governance frameworks supporting the BSA/AML and OFAC programs, ensuring clear ownership, accountability, and effective oversight.
• Drive governance routines, executive reporting, committee materials, and escalation processes in a fast-paced regulatory environment.
• Track, analyze, and report on program risks, issues, remediation plans, and control effectiveness to promote transparency and informed decision-making.
• Draft, update, and maintain BSA/AML and OFAC policies, standards, and procedures in alignment with regulatory requirements and bank partner obligations. Manage the full policy lifecycle, including version control, periodic reviews, approvals, and proactive assessment of regulatory changes and their impact.
• Partner with Financial Crimes and Risk teams to support risk assessments, document controls and control owners, and strengthen control frameworks. Develop and enhance KPIs, KRIs, dashboards, and reporting to deliver actionable insights and improve control oversight through data and automation.
• Prepare comprehensive materials for regulatory exams, bank partner reviews, and internal/external audits, maintaining audit-ready documentation repositories.
• Coordinate audit responses and drive remediation efforts with clear milestones, measurable outcomes, and strong follow-through.
• Collaborate cross-functionally with Compliance, Risk, Operations, Product, and other stakeholders to influence outcomes, support change initiatives, and implement scalable governance improvements.

To thrive in this role, you have

• CAMS, CFCS, CRCM, or similar certification.
• Experience working in a fintech, bank, or high-growth regulated environment.
• Familiarity with enterprise risk management frameworks and control documentation.
• Experience building executive or Board-level reporting materials.
• Experience driving automation or process improvement initiatives within a compliance or risk function
• Innovative mindset with focus on automation and scalability
• Ability to operate with urgency and thrive in a fast paced environment
• Adaptable in unexpected situations, comfortable dealing with ambiguity and uncertainty.
• Deep knowledge in FinCEN regulatory compliance requirements, OCC, FFIEC and state compliance program focused on consumer banking, payments and lending
• Have 6+ years of work experience, including:
• Deep AML program solution and…