EarnIn

Compliance Analyst, Fraud & Disputes (Contract)

United States

$80,000 – $90,000Compensation
Junior (1 to 2 years)Experience Level
Full TimeJob Type
UnknownVisa
FintechIndustries

Position Overview

  • Location Type: Remote
  • Job Type: Contract
  • Salary: $80,000 - $90,000 + equity + benefits
  • Company: EarnIn

EarnIn is seeking a highly analytical and detail-oriented Compliance Analyst with fraud and dispute experience to join their dynamic team. This role combines responsibilities from fraud and dispute investigations with compliance advisory duties to mitigate risks and adhere to regulatory standards within a fast-paced fintech environment. The position involves applying a data-driven approach to assess and improve business processes, compliance controls, make sound fraud decisions, and risk management strategies across deposits, payments, and lending.

About EarnIn

EarnIn is a pioneer in earned wage access, building products that deliver real-time financial flexibility for individuals living paycheck to paycheck. Their community members can access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks. EarnIn has an experienced leadership team, strong funding partners, and a healthy core business.

Responsibilities

Fraud and Disputes:

  • 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.

Compliance Advisory:

  • 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.

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.

Skills

Fraud Investigation
Dispute Resolution
Regulation Z
ACH/Card Disputes
Visa Chargebacks
Data Analysis
Risk Management
Compliance Advisory

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.

Land your dream remote job 3x faster with AI