Ofac Analyst Jobs (NOW HIRING)

About the Role
We are hiring a Senior Analyst for AML Governance & Advisory within Financial Crimes & Identity. This team owns the governance framework supporting Chime's BSA/AML and OFAC compliance programs, ensuring that 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.
You will partner cross-functionally with Compliance, Risk, Legal, Financial Crimes Operations, Product, and Engineering to drive effective oversight, documentation, and continuous program maturity.
The base salary offered for this role and level of experience will begin at $112,000.00 and up to $155,000.00. 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

• Lead and enhance governance frameworks supporting the BSA/AML and OFAC programs, ensuring clear ownership, accountability, and effective oversight.
• Drive governance routines, executive and committee reporting, 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.
• Partner with Financial Crimes and Risk teams to support enterprise-wide AML and sanctions risk assessments, document controls and control owners, and strengthen the control framework.
• Draft, update, and maintain BSA/AML and OFAC policies, standards, and procedures in alignment with regulatory requirements and bank partner obligations.
• Monitor regulatory and guidance developments, assess applicability and impact to Chime, and drive the resulting policy and control updates to completion.
• Prepare comprehensive materials for regulatory exams, bank partner reviews, and internal/external audits, maintaining audit-ready documentation repositories.
• Coordinate audit and exam responses, and drive remediation efforts with clear milestones, measurable outcomes, and strong follow-through.
• Support issues management end to end - from issue intake and root cause analysis through corrective action plan design, validation, and sustainability evidence.
• Collaborate cross-functionally to influence outcomes, support change initiatives, and implement scalable governance improvements.

To thrive in this role, you have

• 5+ years of experience in BSA/AML and OFAC compliance, with significant time spent in a governance, advisory, or second-line capacity at a fintech, bank, or other directly regulated financial institution.
• Deep working knowledge of FinCEN, OCC, and FFIEC requirements and examination expectations, with applied experience in consumer banking, payments, or lending.
• Exceptional written communication, with demonstrated ability to translate regulatory requirements into clear, defensible policies, procedures, and executive-level narratives.
• Experience supporting regulatory examinations, internal or external audits, and bank partner reviews - including request-list management, evidence collection, and interview preparation.
• Hands-on issues management experience: authoring corrective action plans, defining validation criteria, and tracking remediation to closure with evidence of sustainability.
• Experience contributing to enterprise-wide BSA/AML and sanctions risk assessments, including inherent risk scoring, control effectiveness rating, and residual risk methodology.
• Working knowledge of the three lines of defense model, and the judgment to provide credible independent challenge while maintaining strong first-line partnership.
• Experience building executive- or Board-level reporting materials and running formal governance and committee routines.
• A demonstrated record of driving automation or process improvement within a compliance or risk function.
• Strong program management skills, with the ability to run multiple concurrent workstreams against firm regulatory deadlines.
• Proven ability to influence across Compliance, Legal, Risk, Product, and Engineering.
• Comfort operating with urgency amid ambiguity, shifting priorities, and incomplete information.

Bonus points if you have

• Experience in a sponsor-bank/BaaS operating model, including partner bank oversight expectations, contractual compliance obligations, and multi-party escalation dynamics.
• Proficiency with data and workflow tooling - SQL or BI platforms (Looker, Tableau), GRC platforms (Archer, LogicGate, AuditBoard, Workiva), and comfort applying AI tooling to reduce manual governance work.
• Familiarity with the financial crimes technology landscape - transaction monitoring, sanctions screening, and case management systems - and the control considerations each carries.
• Experience with regulatory change management programs and enterprise risk management frameworks.
• CAMS, CFCS, or a comparable certification.
• Experience in a high-growth fintech or startup environment.

#LI-Onsite #LI-BE1
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.
• Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
• Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
• Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
• Access to family planning reimbursement
• ♥ 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: accommodations@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.