Compliance & Fraud Analyst

Compliance & Fraud Analyst

As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.

We're fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We're growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey.

Position Summary

EarnIn is seeking a highly analytical and detail-oriented Compliance Analyst with experience in compliant case handling, escalations, fraud investigations, and dispute resolution to join our dynamic team. This role combines responsibilities from fraud and dispute investigations with consumer compliance duties to mitigate risks and adhere to regulatory standards within a fast-paced fintech environment. In this role, you will apply a data-driven approach to assess and improve business processes, compliance controls, make sound fraud decisions, and risk management strategies across our product suite. This is a remote position that offers a unique opportunity to make a meaningful impact in a dynamic, fast-paced environment. The US base salary range for this position is $80,000 - $90,000 + equity + benefits. Our salary ranges are determined by role, level, and location.

What You'll Do

• Compliance Advisory 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.
• Fraud and Disputes 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.

What We're Looking For