Business Analyst

About the role

As a Senior Business Analyst, TPRM, you will support the assessment and ongoing oversight of third party relationships, including vendors and partners, throughout the third party risk management lifecycle.

You will assess third party risk, conduct business due diligence, and coordinate additional risk assessments with cross-functional partners. You will help ensure risks are appropriately identified, documented, and addressed while working closely with business owners, risk partners, and Chime’s bank partners.

This role requires strong analytical judgment, attention to detail, and the ability to manage multiple assessments and stakeholders. You will serve as a trusted partner to the business while contributing to the continued development and maturity of Chime’s TPRM program.

In this role, you can expect to

• Review and challenge Inherent Risk Questionnaires (IRQs), working with business owners to understand vendor relationships, validate information, and determine appropriate inherent risk and criticality ratings.
• Coordinate due diligence activities with cross-functional risk partners and subject matter experts across areas such as Information Security, Privacy, Compliance, Enterprise Risk Management, and Legal.
• Conduct business due diligence, including reviews of corporate registration, reputational information, insurance coverage, and other relevant documentation, and coordinate additional activities such as background checks.
• Manage assigned third party assessments through completion, coordinating with business owners and cross-functional risk partners to address questions, follow up on outstanding requirements, and escalate concerns as appropriate.
• Facilitate vendor approval processes with Chime’s bank partners, including coordinating assessment information, responding to follow-up requests, and tracking approvals through completion.
• Identify and document issues arising from TPRM assessments and partner with relevant stakeholders to track third party risk issues and remediation activities through resolution.
• Support ongoing monitoring and periodic reassessments of third party relationships, including reviewing changes that may impact the inherent risk rating, criticality rating, or due diligence requirements. 
• Clearly document TPRM assessments, risk decisions, and supporting rationale in accordance with program requirements.
• Provide guidance to business owners and stakeholders on TPRM requirements, processes, and expectations.
• Contribute to the continued development and maturity of the TPRM program through process improvements, tooling enhancements, reporting, and updates to policies, procedures, standards, and supporting documentation.
• Support internal audits, regulatory examinations, bank partner oversight, and other program activities as needed.

To thrive in this role, you have

• 4+ years of experience in Third Party Risk Management, Vendor Risk Management, Operational Risk, Compliance, Audit, or a related risk management function.
• Experience with third party risk assessments, due diligence, and related third party risk management activities.
• Strong analytical and critical-thinking skills, with the ability to challenge information, identify gaps or inconsistencies, synthesize information from multiple sources, and make well-supported risk-based decisions.
• Strong stakeholder management and communication skills, with experience working across business owners, risk and control functions, and cross-functional teams.
• Strong organizational skills and the ability to manage multiple assessments, approvals, and competing priorities.
• Experience contributing to risk program initiatives such as process improvement, policy and procedure development, tooling enhancements, reporting, audit support, or similar activities.
• Familiarity with regulatory expectations and industry practices for third party risk management, including applicable interagency guidance.
• Experience in financial services, fintech, banking, or another regulated environment is preferred.
• Familiarity with Third Party Risk Management platforms, workflow tools, and reporting solutions is a plus.

#LI-Onsite #LI-LB1

Below is the base salary offered for this role and level of experience. Full-time employees may also be eligible for bonus(es), competitive equity, and benefits. For commissioned roles, the base salary listed in this job description does not include incentive/variable pay. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.

Wage Notice$105,000—$145,000 USD

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.
• 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
• ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
• 🏝 Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
• 👪 Access to family planning reimbursement
• 💚 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: accommodations@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.