Senior Data Analyst, New Account Risk
About The Position
At Chime, the moment someone becomes a member is everything—it’s where trust begins, and where bad actors try to slip in. As an L4 Risk Analyst on the New Account Risk team, you will help protect Chime’s enrollment funnel from fraud while ensuring every legitimate applicant gets a fast, frictionless path to membership. You’ll work closely with Product, Engineering, Data Science, Compliance, and Operations, digging into data to spot emerging fraud patterns and turning your findings into policies, dashboards, and recommendations the team can act on. Your work will directly support the team’s two headline goals for 2026: improving the Funnel Enrollment Rate (FER) and reducing the post-enrollment synthetic identity theft rate.
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
- 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; you’re 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
Nice To Haves
- Bachelor’s degree in a quantitatively rigorous discipline like engineering, statistics, math, or economics is preferred
- A passion for Chime’s mission
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%)
Benefits
- Bonus
- Competitive equity package
- 401k match
- Great medical, dental, vision, life, and disability benefits
- Generous vacation policy
- Company-wide Chime Days
- Bonus 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
- In-person and virtual events
- Backup child, elder, and/or pet care
- Subsidized commuter benefit
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What This Job Offers
Job Type
Full-time
Career Level
Senior
