Compliance Analyst, Fraud & Disputes (Contract)

Job Description:

Compliance Analyst, Fraud & Disputes (Contract)

EarnIn seeks a highly analytical and detail-oriented Compliance Analyst with fraud and dispute experience to join our 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. 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 deposits, payments, and lending.

This is a remote, contract 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

• 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.
• Compliance Advisory Responsibilities:
• 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.

What We're Looking For:

• 3+ years of experience in fraud investigations, dispute resolution, compliance, or risk management within fintech, banking, or financial services.
• 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 with a customer-first mindset.
• Demonstrated ability to perform security and risk assessments.
• Preferred experience in fintech or similarly fast-paced financial environments.