Senior Associate of Compliance Advisory

The Sr. Associate, Compliance Advisory partners with Complaints, Product, Operations, and other business teams to provide compliance guidance as a second line of defenseThe role supports consumer complaint oversight, new and existing product operations advisory, agent readiness, member- and agent-facing communications, and process improvement while identifying consumer and regulatory risks and helping drive issues through remediation and implementationAdvise the first line of defense on complaint-management requirements, regulatory expectations, and industry best practicesReview complaint-handling processes, procedures, controls, and documentation; identify gaps and recommend remediation, maintaining ownership of the issue lifecycle from informing the business of identified gaps and recommendations through completed remediation and implementationRecommend and implement process improvements that balance regulatory requirements with innovative, member-friendly solutionsDemonstrate knowledge of and apply consumer financial regulations- including Regulations Z, E, and DD, UDAAP, NACHA, VISA Operating Standards, and applicable state requirements- through compliance advisory work and day-to-day responsibilitiesSupport operational teams in investigating and resolving consumer complaints while analyzing trends and potential member impactPerform oversight and monitoring to promote timely, accurate, and appropriate complaint resolutionDevelop and refine complaint procedures, guidance, training materials, and educational resourcesAssist with responses to sensitive and regulatory complaints and inquiriesEnsure complaint-related work, processes, procedures, and guidance align with all applicable requirements of the Complaints PolicySupport regulatory, bank partner, and internal audit readiness by collecting, organizing, and validating requested documentation and helping ensure complaint processes and records are complete and currentReview complaint dashboards and complaint trends to identify emerging risks, recurring issues, and opportunities for improvementPresent compliance findings, complaint trends, risk assessments, recommendations, training, and process updates to business partners and relevant business stakeholders when neededPrepare executive-level reports and presentations on compliance findings data, trends, risks, and recommendationsProvide compliance advisory support for operations supporting new products and changes to existing products, including identifying compliance considerations and helping teams address related risks and requirementsTranslate complex compliance requirements and data-driven insights into clear, practical, and actionable guidance for business partners and member-facing teamsSupport agent readiness for new products and changes to existing products by partnering on agent-facing communications, member-facing communications, help center articles, training, and other agent-ready contentPartner with Compliance, Legal, Quality Control, Quality Assurance, bank partners, and business teams to mitigate compliance riskDemonstrate strong proficiency in AI tooling and proactively identify responsible AI-enabled tools and workflows that help the Compliance Advisory team work more efficiently and effectivelyUse AI tooling to accelerate data analysis, complaint-trend identification, monitoring, oversight, research, documentation, reporting, and preparation of business-partner guidance while maintaining appropriate human review and compliance with confidentiality requirementsLeverage AI-enabled insights to help business partners make faster, better-informed decisions and improve outcomes for membersSupport quality assurance and quality control business partners as a second line of defense by helping ensure the program is regulatory sound, appropriately designed, and operating effectively for its intended purposeServe as a knowledgeable Compliance presence in meetings with bank partners and business partners by contributing to discussions, answering questions, and identifying compliance considerationsConsumer complaints and complaint-program management and oversightRegulatory knowledge, including the ability to interpret applicable regulations and translate them into practical, risk-based guidance for products, processes, and member experiencesRisk identification, escalation, and remediationExecutive and business-partner communication and presentation skillsData analysis, automation, and practical application of AI toolsCross-functional collaboration and stakeholder managementProcess documentation, monitoring, training, and continuous improvementIndependent execution and resourcefulness, including taking end-to-end ownershipBenefitsPhysical: We believe in taking care of your physical health, so as a Chimer you’ll get medical, dental, and vision insurance, as well as benefits to support your physical activity, family planning, and all of your little ChimersEmotional: We know that staying healthy involves a lot more than doctor’s checkups. We partner with Modern Health to help you navigate your mental health, give monthly Take Care of Yourself Days, and want you to take time off when you need itFinancial: We want Chimers to save and feel financially supported, so we offer savings plans with competitive matching, as well as access to financial planning and legal assistance so that you can find your financial peace of mindSocial: We’ll celebrate your milestones together with travel stipends, swag, and high-fives and make sure you’re connected to fellow Chimers through our Chime Resource Groups (CRGs) and company events A bias toward independent execution and resourcefulness, including taking end-to-end ownership from problem to solutionComfort working in a fast pace environment that doesn’t slow downExperience supporting regulatory exams, bank partner reviews, or internal auditsDirect, hands-on experience with deposit accounts and credit productsHands-on experience with consumer complaints and complaint-program management and oversight A sharp instinct for risk identification, escalation, and remediation - and the persistence to see issues through to closureExperience with process documentation, monitoring, training, and continuous improvementComfort with data analysis and automation, and practical experience applying AI tools to real workExecutive and business-partner communication and presentation skills 5+ years of compliance experience in fintech, banking, or financial services, including meaningful work supporting consumer financial products and a track record of operating with a high degree of independence A collaborative approach to cross-functional work and stakeholder managementStrong regulatory knowledge, with the ability to interpret applicable regulations and translate them into practical, risk-based guidance for products, processes, and member experiences