Analyst, Business Control Testing

About the role 

As Chime continues to grow, we are enhancing our business control testing capabilities to ensure Chime’s Operations and Member Experience (OMX) maintains an internal control environment that meets regulatory requirements. We are hiring for an Analyst on our newly created Business Control Testing team. As an Analyst, you will be responsible for executing first-line control testing of complaints handling, dispute intake & investigations, fraud, and other processes. As part of executing control testing, you will work closely with OMX control owners, Compliance, and other cross-functional teams to ensure Chime’s adherence to bank partners and regulatory requirements.  

The base salary offered for this role and level of experience will begin at $82,620 and up to $114,800. 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

• Execute risk-based control testing of OMX controls and processes to check that OMX is compliant with regulatory requirements and aligned to business best practices.
• As part of executing testing: (i) execute against test scripts; (ii) produce complete and accurate workpapers; and (iii) review and challenge the results of OMX quality control reviews.
• With support from Compliance and Business Control Testing management, stay current on regulatory changes and bank partner expectations impacting consumer complaints, disputes, member experience, and other areas of testing.
• Maintain strong relationships with OMX, Compliance, and Legal and Risk Management teams so that we can collectively: (i) achieve comprehensive risk and control identification and assessment; and (ii) integrate new/enhanced controls into existing business processes.
• Identify, escalate, and determine the root cause of emerging risks and issues related to consumer complaints, dispute handling, or other processes.
• Contribute to sound issue management by tracking the progress of action plans and providing review and challenge of remediations.

To thrive in this role, you should

• Have 2-5 years experience in banking or financial services, preferably with experience in control testing, compliance, audit, fraud, complaint handling, dispute handling, and/or risk management.
• Be able to demonstrate a working knowledge of consumer financial regulations, including, but not limited to, any of Fair Lending, UDAAP, Reg-E, Reg-Z, FCRA, FDCPA, and/or SCRA.
• Have experience in analytical or investigatory roles that required you to: (i) interpret and review complex datasets to identify anomalies; and (ii) review policies and procedures to identify gaps or deficiencies.
• Have excellent communication and presentation skills, including being able to articulate testing results and the root cause of identified issues in a way that enables Business Control Testing and relevant stakeholders to determine appropriate remediations.
• Be able to partner effectively with managers and other team members to execute testing reviews, including independently owning and executing specific portions of a review, with the eventual goal of being able to fully lead and execute reviews.
• Be an engaged team player that is eager to learn, collaborate, and promote inclusivity.

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 basic banking services should be helpful, transparent, 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 America