Senior Data Analyst, Authentication Risk
About The Position
We’re hiring a Data Analyst to join our Authentication Risk team, where you’ll play a critical role in preventing Account Takeover (ATO), reducing fraud losses, and protecting member trust. This role sits at the intersection of data, risk strategy, and product decisioning, with a strong emphasis on authentication flows, identity verification, and abuse prevention. You’ll partner closely with Product, Engineering, Analytics, DSML, and OMX to identify emerging attack patterns, design data-backed controls, and continuously improve authentication resilience while maintaining a seamless member experience. Your work will directly impact how we detect, prevent, and respond to authentication risk at scale helping ensure Chime remains both secure and easy to use for millions of members.
Requirements
- 5+ years of experience in Fraud, Risk, Compliance, or Investigations, with exposure to ATO or authentication-related risk
- 2+ years of hands-on analytics experience, ideally in FinTech or a high-scale consumer platform
- Strong SQL skills and the ability to work comfortably with large, complex datasets
- Solid understanding of authentication mechanisms, account security risks, and industry fraud trends
- Experience developing or influencing risk strategies, policies, or controls
- High attention to detail with a strong bias toward structured, data-driven problem solving
- Ability to operate in a fast-paced environment, manage ambiguity, and deliver high-quality work under tight timelines
- Bachelor’s or Master’s degree in a quantitative field (engineering, statistics, math, economics preferred)
- A strong alignment with Chime’s mission and a passion for protecting members from fraud
Responsibilities
- Analyze authentication and ATO-related risk signals to proactively identify fraud trends, abuse patterns, and control gaps, balancing loss reduction with member experience (40%)
- Partner with cross-functional teams to design, test, and deploy authentication and ATO prevention strategies, including product and policy changes across login, recovery, and verification flows (40%)
- Build and maintain dashboards and reporting to monitor authentication health, ATO rates, fraud losses, and member impact metrics (10%)
- Support ad-hoc risk investigations and analysis related to authentication abuse, incidents, and emerging threats (10%)
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 of your choice
- 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.
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Senior
