[Remote] Compliance & Fraud Analyst at EarnIn

United States

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Not SpecifiedCompensation

N/AExperience Level

N/AJob Type

Not SpecifiedVisa

N/AIndustries

Requirements

1+ 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
Strong understanding of regulatory requirements and industry best practices across many consumer compliance laws and regulations
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 SQL

Responsibilities

Analyze, review, and respond to regulatory complaints to ensure accurate, timely, and compliant resolutions
Collaborate with cross-functional teams to enhance the complaints management process, aligning with regulatory requirements and best practices
Conduct root cause analysis of complaints to identify trends and areas for improvement
Develop and implement internal controls to mitigate compliance risks
Monitor adherence to policies and procedures and test the effectiveness of processes and controls to identify potential areas of weakness
Assist with the implementation of corrective actions to address identified issues
Enhance existing compliance and risk management programs by evaluating regulations for applicability to our products and services and helping develop creative and compliant processes and controls
Execute projects accurately within timeframes allotted while working collaboratively across multiple lines of business
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

Skills

EarnIn

Provides early wage access without fees

About EarnIn

Earnin allows individuals to access their earned wages before payday without any fees or interest. Users can cash out a portion of their earnings and benefit from features like the "Balance Shield," which helps maintain their bank account balance. Unlike traditional financial institutions, Earnin operates on a model where users choose how much to pay for the service, fostering a community-driven approach. The company's goal is to create a fairer financial system that prioritizes accessibility and mutual support.

Palo Alto, CaliforniaHeadquarters

2012Year Founded

$184.9MTotal Funding

SERIES_CCompany Stage

FintechIndustries

201-500Employees

Benefits

Life in balance - Ten company holidays and flexible time off so you can rest and recharge when you need it most. With pay, no catch.

Family matters - When your family grows, we want your focus on them. Our generous parental leave policy and wellness funds make it easy to put yourself and loved ones first.

Learn & grow - A commitment to career development that includes regular training for team members and managers alike, 360 feedback, and an annual stipend for growth opportunities.

Company culture - Employee Resource Groups provide growth opportunities and allow you to create the company you want to work at (more on that below).

Health & wellness - Flexible healthcare options across medical, dental, and vision—and a free Employee Assistance program offering mental health resources and legal advice.

Save & support - Includes Earnin’s 401(K) and FSA plans with tax advantages for retirement, healthcare, and dependent care expenses.

Risks

Legal challenges from deceptive lending allegations could harm Earnin's reputation.

Increased competition in early wage access may impact Earnin's market share.

Reliance on voluntary contributions may not sustain long-term revenue.

Differentiation

Earnin offers fee-free early wage access, unlike traditional payday loans.

Users choose their payment amount, fostering a community-driven financial model.

Balance Shield feature provides automatic deposits to prevent overdrafts.

Upsides

Earnin has facilitated over $15 billion in earnings access since 2013.

Recognition as Best Payments App highlights Earnin's fintech innovation.

Partnerships with gig platforms could expand Earnin's user base.

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