Data Scientist, Dispute Risk

Chime Financial, Inc•Chicago, IL

1d•$109,000 - $150,000•Hybrid

About The Position

Chime is hiring a data-driven risk analyst to help reduce fraud losses, improve risk processes, and protect a positive member experience. The role combines portfolio-level analytics with investigation of selected fraud and dispute cases. The employee will bring together case evidence, transaction and account data, and risk signals to support clear, well-documented outcomes, and will work with Product, Engineering, Data Analytics, Operations, and Member Experience partners. The position involves analyzing fraud and loss trends, investigating assigned cases from intake through resolution or escalation, improving dispute and fraud workflows through AI and automation, building dashboards and reports, and responding to ad hoc stakeholder needs. Case reviews assess evidence quality and consistency, document what is supported and uncertain, and recommend next steps in line with established policies and decision authority. The role also entails learning agent SOPs and tools to help improve average handle time and decision accuracy. The position is listed with a base salary range of $109,000–$150,000 USD. Full-time employees may also be eligible for bonuses, competitive equity, and benefits. Chime’s office policy is four days per week in the office and Fridays from home for employees near an office; the company also has a fully remote program.

Requirements

At least 2 years of analytical experience, preferably in financial services or fintech.
At least 2 years of experience in Fraud, Compliance, Risk, Investigations, or a related field.
Excellent SQL skills and advanced Google Sheets skills.
Familiarity with payment processing fundamentals and an interest in fraud typologies, risk trends, or risk strategy.
Strong critical thinking and attention to detail, including the ability to synthesize information from multiple sources and explain how it supports a conclusion.
Clear written communication and sound documentation habits, especially when handling sensitive, member-impacting cases.
Strong organization and follow-through, with the ability to manage analytical work and assigned investigations in a fast-paced environment.
Proficiency using AI-assisted tools and automation to improve productivity, while validating outputs and protecting sensitive information.
Growth mindset, willingness to learn new tools and processes, and passion for Chime’s mission.

Nice To Haves

Experience with Python.
Relevant case-review or dispute experience.
A bachelor’s or master’s degree in a quantitatively rigorous discipline such as engineering, statistics, mathematics, or economics.

Responsibilities

Analyze fraud and loss trends proactively and in response to loss events; identify drivers, quantify opportunities, and recommend ways to reduce losses while minimizing member friction.
Investigate assigned fraud and dispute cases from intake through resolution or escalation by reviewing member statements, transaction and account history, merchant evidence where applicable, and risk signals.
Assess case evidence for quality and consistency; document supported findings and uncertainties and recommend next steps in accordance with policies and decision authority.
Learn agent standard operating procedures and tools, with the goal of improving average handle time and decision accuracy.
Identify and apply AI and automation opportunities across dispute and fraud workflows to reduce repetitive manual work, improve consistency, and accelerate analysis.
Partner with relevant teams to test automation solutions, validate outputs, and ensure appropriate human review and controls before implementation.
Develop and maintain actionable dashboards and reports tracking risk performance against loss and member-experience metrics.
Partner with internal stakeholders on time-sensitive questions and communicate findings clearly to technical and non-technical audiences.

Benefits

Eligible full-time employees may receive bonuses and competitive equity.
Backup child, elder, and pet care.
Subsidized commuter benefits for eligible employees.
Comprehensive health, financial, and wellbeing benefits.
Generous vacation policy and company-wide paid days off.
Paid time off to support local community organizations, equal to 1% of time off.
Annual wellness stipend for eligible wellness-related expenses.
Up to 22 weeks of paid parental leave for birthing parents and 12 weeks for non-birthing parents.
Family planning reimbursement.
Opportunity to work with an experienced FinTech team on Chime’s mission.