Compliance Analyst, Fraud & Disputes

Summary

Join EarnIn's dynamic team as a Compliance Analyst, combining fraud and dispute investigations with compliance advisory duties. You will leverage data-driven approaches to improve business processes, compliance controls, and risk management strategies across deposits, payments, and lending. This remote contract position offers a unique opportunity to make a meaningful impact in a fast-paced fintech environment. The role involves investigating and resolving fraud cases, processing Regulation Z/E claims, and collaborating with product and marketing teams to ensure regulatory compliance. You will also conduct regulatory research, maintain compliance policies, and create training materials. The salary range is $80,000-$90,000 + equity + benefits.

Requirements

• 3+ years of experience in fraud investigations, dispute resolution, compliance, or risk management within fintech, banking, or financial services
• Bachelor's degree or equivalent professional experience
• Proven expertise in processing chargeback claims and understanding regulatory frameworks such as Regulation Z, Regulation E, Gram-Leach-Bliley Act, and other financial compliance laws
• Strong analytical, organizational, and critical thinking skills, with the ability to multitask and adapt in a rapidly changing environment
• Proficiency in Excel/Sheets (including foundational analytical tools), PowerPoint/Slides, and basic understanding of financial compliance controls
• Strong written and verbal communication skills
• Demonstrated professionalism, discretion, and the ability to manage sensitive information confidentially
• Creative problem-solving abilities with a customer-first mindset
• Demonstrated ability to perform security and risk assessments

Responsibilities

• Conduct routine to complex fraud investigations, applying professional judgment to analyze and resolve cases efficiently
• Investigate and process Regulation Z/E claims (ACH/Card Disputes)
• Execute Visa chargeback processes effectively
• Conduct informational and admission-seeking interviews with stakeholders including victims, witnesses, or suspects
• Monitor and analyze financial transactions to proactively identify and mitigate fraud risks
• Balance customer experience with risk management practices
• Collaborate with product and marketing teams ensuring adherence to consumer protection regulations across deposits, payments, and lending products
• Conduct research and document regulatory changes impacting current and new products
• Support maintenance and improvement of compliance policies, procedures, and controls through routine reviews
• Participate in compliance risk assessments and support ongoing monitoring and testing activities
• Assist in creating and delivering tailored compliance training materials to various internal teams
• Assist with maintaining compliance tools by regularly updating and refining system rules and logic, including the addition, modification, and testing of new compliance requirements to ensure ongoing accuracy and effectiveness
• Provide guidance and clear documentation to stakeholders regarding regulatory compliance expectations and frameworks

Preferred Qualifications

Preferred experience in fintech or similarly fast-paced financial environments

Benefits

• Equity
• Benefits