About the Role

We’re hiring an Analyst to join our Business Control Testing (BCT) team within Operations and Member Experience (OMX). In this role, you’ll help ensure our controls are working as intended and that we’re meeting regulatory and internal policy requirements. You’ll test key processes, partner with stakeholders to address gaps, and contribute to how we generate insights from our work. This is a great opportunity to build deep expertise in risk, controls, and operations while working across a wide range of teams.

The base salary offered for this role and level of experience will begin at $83,000.00 and up to $115,000.00. 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

Test key OMX controls to assess adherence to regulatory requirements and internal policies

Analyze datasets and review documentation to identify anomalies, gaps, or control deficiencies

Partner with stakeholders to communicate findings and support remediation design and validation

Contribute to scoping, sampling, and test script development for control reviews

Clearly document and present testing results in a way that drives action

Support the evolution of BCT reporting and insight generation capabilities

Collaborate with team members to execute multiple concurrent control testing reviews

What Makes This Role Unique

Because BCT tests across the whole of OMX, you’ll gain broad exposure to key functions, subject matter experts, and leadership across the organization

Opportunity to help shape BCT’s processes and the implementation of AI tools within control testing and analysis

To thrive in this role, you have

2–5 years of experience in banking or financial services, ideally in control testing, compliance, audit, or risk management

Working knowledge of consumer financial regulations (e.g., Fair Lending, UDAAP, Reg E, Reg Z, FCRA, FDCPA)

Experience analyzing complex datasets and reviewing policies/procedures to identify issues

Strong communication skills, with the ability to clearly explain findings and influence remediation decisions

Ability to independently own portions of testing reviews, with a path toward leading full reviews

Collaborative mindset with a focus on learning, teamwork, and inclusivity

Bonus

Familiarity with AI tools (e.g., ChatGPT, Gemini, Claude) and their application to control testing or data analysis

Experience interacting with financial regulators, particularly in the context of testing requirements and results

Experience writing clear, structured findings that articulate root cause and impact

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.

💻 In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute

💰 Competitive salary based on experience

✨ 401k match plus great medical, dental, vision, life, and disability benefits

🏝 Generous vacation policy and company-wide Chime Days, bonus 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 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents

👪 Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.

🎉 In-person and virtual events to connect with your fellow Chimers—think cooking classes, guided meditations, 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 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: benefits@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.

Analyst, Business Control Testing

Job Description