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About the Role

As an L4 Risk Analyst on the New Account Risk team at Chime, you will protect the enrollment funnel from fraud while ensuring a frictionless path for legitimate applicants. You will analyze data to identify fraud patterns, develop policies, and create dashboards to support team goals of improving the Funnel Enrollment Rate and reducing synthetic identity theft.

Responsibilities

• Analyze enrollment and application data to identify opportunities to reduce synthetic identity and ID theft losses, with minimal impact to legitimate applicants (35%)
• Support the design, testing, and monitoring of new account risk policies and decision rules, partnering with Product and Engineering to ship improvements (30%)
• Build and maintain dashboards and reports that track Funnel Enrollment Rate, fraud loss, and approval/false-positive rates against team goals (20%)
• Monitor the performance of third-party vendor models and risk signals used at enrollment, flagging anomalies and trends to senior team members (10%)
• Collaborate with cross-functional stakeholders to fulfill ad-hoc analysis requests as needed (5%)

Requirements

• 3+ years of experience in a Fraud, Risk, Compliance, or Investigations role, ideally with exposure to new account enrollment, identity fraud, or KYC/CIP
• Working knowledge of identity fraud domains such as synthetic identity and identity theft, and an interest in the threat landscape that targets enrollment funnels
• Strong SQL skills
• Familiarity with Python, R, or a similar analytical language preferred
• Experience with BI tools such as Looker, Hex, or equivalent
• Advanced Microsoft Excel skills
• Comfort using AI tools (e.g., Glean, Claude) to accelerate day-to-day analysis
• Exceptional detail-orientation and organizational skills
• Eager to solve challenging analytical problems for our members
• The drive to work in a fast-paced environment and meet ambitious deadlines while ensuring flawless completion
• A passion for Chime’s mission

Skills

• SQL
• Python
• R
• Looker
• Hex
• Microsoft Excel
• AI tools (e.g., Glean, Claude)

Location

• Onsite

Work Type

• Full-time
• Hybrid

Experience Level

• 3+ years

Education Level

• Bachelor’s degree in a quantitatively rigorous discipline like engineering, statistics, math, or economics is preferred

Salary/Compensations

• $133,000.00 - $185,000.00

Benefits

• Bonus
• Competitive equity package
• Backup child, elder, and/or pet care
• Subsidized commuter benefit
• 401k match
• Medical, dental, vision, life, and disability benefits
• Generous vacation policy
• Company-wide Chime Days
• Company-wide paid days off
• 1% of your time off to support local community organizations
• Annual wellness stipend
• Up to 24 weeks of paid parental leave for birthing parents
• 12 weeks of paid parental leave for non-birthing parents
• Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more
• In-person and virtual events

About the Company

• At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress. We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do.

Equal Opportunity

• Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: benefits@chime.com.