Senior Data Analyst, Authentication Risk
Chime is seeking a Senior Data Analyst to join its Authentication Risk team, focusing on preventing Account Takeover (ATO), reducing fraud losses, and safeguarding member trust. This role operates at the intersection of data analysis, risk strategy, and product decision-making, emphasizing authentication processes, identity verification, and abuse prevention. The analyst will collaborate closely with Product, Engineering, Analytics, Data Science, and Operations teams to identify emerging threats, design data-driven controls, and enhance authentication resilience while ensuring a seamless member experience.
Key responsibilities include analyzing authentication and ATO-related risk signals to proactively detect fraud trends, abuse patterns, and control gaps, balancing loss reduction with member experience. The analyst will partner with cross-functional teams to design, test, and implement authentication and ATO prevention strategies, including product and policy changes across login, recovery, and verification flows. Additionally, the role involves building and maintaining dashboards and reports to monitor authentication health, ATO rates, fraud losses, and member impact metrics, as well as supporting ad-hoc risk investigations and analyses related to authentication abuse and emerging threats.
The ideal candidate will have over five years of experience in Fraud, Risk, Compliance, or Investigations, with exposure to ATO or authentication-related risk, and at least two years of hands-on analytics experience, preferably in FinTech or a high-scale consumer platform. Strong SQL skills and the ability to work with large, complex datasets are essential. A solid understanding of authentication mechanisms, account security risks, and industry fraud trends is required, along with experience in developing or influencing risk strategies, policies, or controls. The candidate should possess high attention to detail, a structured, data-driven problem-solving approach, and the ability to operate in a fast-paced environment, managing ambiguity and delivering high-quality work under tight timelines. A Bachelor's or Master's degree in a quantitative field such as engineering, statistics, math, or economics is preferred, along with a strong alignment with Chime's mission and a passion for protecting members from fraud.
The base salary for this role ranges from $133,000 to $185,000 annually, depending on location, skills, qualifications, and experience. Full-time employees are also eligible for a bonus, competitive equity package, and comprehensive benefits. Chime offers a thoughtful hybrid work policy, in-office perks including backup care and commuter benefits, a generous vacation policy, and company-wide paid days off. Additional benefits include a 401(k) match, medical, dental, vision, life, and disability insurance, an annual wellness stipend, and up to 24 weeks of paid parental leave for birthing parents and 12 weeks for non-birthing parents. Employees also have access to Maven, a family planning tool, with a $15,000 lifetime reimbursement for services such as egg freezing, fertility treatments, and adoption.
Chime is a financial technology company dedicated to helping everyday Americans achieve financial progress. The company fosters a culture of boldness, collaboration, and integrity, encouraging employees to see themselves as stewards of its mission. Chime values diverse perspectives and promotes an entrepreneurial environment where team members are empowered to take risks and drive innovation. Joining Chime offers a challenging and fulfilling opportunity to be part of a team that is transforming the banking industry and making a meaningful impact on millions of members' financial lives.