Analyst, Identity & KYC Chime - Chicago, IL, US

Analyst, Identity & KYC

Chime was created with the mission to make financial peace of mind a reality for millions of everyday people. We're one of the fastest-growing financial technology companies in the U.S., offering banking services that are helpful, easy, and freebecause we want to profit with our members, not from them. Our model doesn't rely on overdraft, monthly service, minimum balance, or other member feesit just focuses on delivering member value.

We are hiring for an Analyst to support identity and KYC risk strategy on our Financial Crimes & Identity team. As our Analyst, you will help strengthen how we detect and prevent fraud across the customer lifecycle, from onboarding through ongoing monitoring. You'll work closely with cross-functional partners to improve identity verification, risk decisioning, and overall member experience while keeping Chime safe from financial crime.

The base salary offered for this role and level of experience will begin at $93,000.00 and up to $128,000.00. 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:

• Support the development and refinement of risk strategies across KYC, identity verification, and onboarding controls
• Contribute to decisioning frameworks, policies, and thresholds to manage financial crimes and identity risk
• Partner with Product, Engineering, Compliance, Operations, and Member Services to implement risk strategies into workflows and systems
• Analyze trends, emerging typologies, and control performance to identify opportunities for improvement
• Participate in evaluations of identity verification vendors and solutions, including testing and optimization
• Support audits, regulatory exams, and remediation efforts related to KYC and identity controls
• Help improve operational efficiency by reducing friction and manual review through better strategy and process design

To thrive in this role, you have:

• 3+ years of experience in Financial Crimes (AML, KYC, Sanctions, Fraud), preferably in digital/online onboarding environments
• Experience contributing to risk strategy, policy, or control frameworks
• Familiarity with identity verification and customer onboarding controls
• Exposure to fraud detection strategies and scoring logic used to assess risk
• Experience supporting audits, regulatory exams, or remediation efforts
• Knowledge of financial crime typologies in digital/mobile banking environments
• Strong analytical, written, and cross-functional communication skills

At Chime, we believe that everyone can achieve financial progress. We created Chimea 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 trustso we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wallour 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'twho 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.

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.
• In-office perks including bac