Compliance Operations

Job Description

We're hiring a Compliance Operations Analyst for Chariot's compliance team. Chariot runs as a program with a partner bank. You'll own day-to-day compliance casework across onboarding, transaction monitoring, sanctions and fraud, investigating escalated and complex cases and spotting trends. You'll also build and scale the systems and tooling that let our compliance program keep pace with growth. And you'll handle requests from our partner bank and auditors, and our nonprofit, fundraising platform and grantmaker partners.

Responsibilities

• Review and clear escalated compliance onboarding cases and transaction monitoring cases, clearing out every case to get to "inbox zero" each day.

Casework

• Improve efficiency of onboarding and transaction monitoring workflows so nonprofits and payers are verified faster without compromising accuracy. Build systems and processes to handle 1,000+ cases per day.

• Review KYC/KYB onboarding for nonprofits and payers, including high- and medium-risk applicants and control person checks

• Run nonprofit verification reviews, including church verifications and other unlisted tax exempt organizations

• Review and decide OFAC sanctions, PEP and adverse media alerts

• Work transaction monitoring and check-fraud alerts, and escalate suspicious activity

• Complete periodic due diligence (PDD) on all customers and enhanced due diligence (EDD) on higher-risk customers

• Document each decision clearly in the case record

• Work with the team to meet our case SLAs

• Assisting with customer support for compliance onboardings

Program and reporting

• Prepare compliance reporting for our partner bank

• Support the annual independent BSA/AML/NACHA audits

• Tune transaction monitoring and fraud rules on live data and propose changes

• Keep policies and SOPs current as the product changes

• Run compliance trainings and phishing tests for the team

Systems and partners

• Be the day-to-day compliance contact for nonprofits, fundraising platforms, grantmakers and vendors, and support partner go-lives

• Improve workflows in our operations dashboard and vendor tools, including shipping changes yourself, so we can handle 1,000+ cases a day without losing accuracy

• Use AI and documentation to speed up compliance customer support

• In-person position at Chariot’s NYC office.

About You

• Quick on the Uptake - you move fast on cases, nonprofit support, and compliance tasks without letting quality slip.

• Detail Obsessed - you notice discrepancies others would miss, ensuring clean documentation every time.

• Systems Thinker and Builder - you think strategically about how to build systems that scale and are constantly looking for ways to improve efficiency.

• Great Communicator - clear and precise written and verbal communication with stakeholders.

Basic Qualifications

• Experience working in financial (KYC/KYB, BSA/AML transaction monitoring) compliance preferred.

• 3+ years in KYC/KYB, AML, CIP/CDD, sanctions screening, transaction monitoring or fraud operations at a fintech, bank or sponsor-bank program.

Preferred Skills and Experience

• Working knowledge of CIP, CDD/EDD, OFAC and BSA/AML requirements

• Experience in a sponsor-bank or BaaS program

• Comfortable working a high-volume queue without letting quality slip

• SQL or basic coding, or experience building internal tools

• CAMS certification

• Familiarity with nonprofits, 501(c)(3) verification or donor-advised funds

What you’ll get from Chariot

At Chariot, we are building modern, end-to-end payment infrastructure making donors' lives easier, and nonprofits' lives better. $600B gets donated to charity each year in the US and the existing technology/infrastructure was still built for our grandparents generation. Chariot is here to change that.

• Traction. Annualizing over $1.8B in payment volume through Chariot. Tens of thousands of nonprofits already onboarded including American Cancer Society, Memorial Sloan Kettering Cancer Center, and University of Pennsylvania.

• Impact: That money services nonprofits working in homelessness, health, education, the environment, and so much more.

• Market opportunity: Billion dollar revenue opportunity. Fintech company operating in an untapped $600B market

• The Team. >30% of Charioteers are former founders. NYC office, in-person Monday through Thursday, WFH Friday. The public handbook shows how we operate.

Employee Benefits

• Healthcare: Comprehensive healthcare, including options that are 100% covered by Chariot for you

• Time-Off: 18 days PTO and 13 holidays - take the time off that you want and need to relax and recharge

• Parental Leave: 100% paid parental leave, including 12 weeks for primary caregivers

• Team Lunches: Weekly team lunches

• Dinner on Chariot: Free dinner every day at office past 8pm

• Team Events: Monthly team building events

• Employee-friendly equity: 2 year exercise window and double-trigger acceleration

• Company Retreats: To get away - we all convene 2-3x / year company retreats

• Matching Gifts: Matching DAFs and daily charitable giving through GoodToday