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.
The base salary offered for this role and level of experience will begin at $133,000.00 and up to $185,000.00. Full-time employees are also eligible for a bonus, competitive equity package, and benefits. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.
In this role, you can expect to- 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, andf emerging threats (10%)
- 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
#LI-Hybrid #LI-EI1
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. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.
We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and 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. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.
Because if we don't—who will?
*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
What we offer for our full-time, regular employees- 🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.
- 💻 In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute
- 💰 Competitive salary based on experience
- ✨ 401k match plus great medical, dental, vision, life, and disability benefits
- 🏝 Generous vacation policy and 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 to use towards eligible wellness related expenses
- 👶 Up to 24 weeks of paid parental leave for birthing parents and 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 to connect with your fellow Chimers—think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!
- 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress
We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.
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: [email protected].
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.
Skills Required
- 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)
What the Team is Saying
Chime Compensation & Benefits Highlights
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Healthcare Strength — Medical, dental, vision, and mental-health support are presented as core parts of the package. Materials emphasize comprehensive coverage tied to physical and emotional well-being.
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Parental & Family Support — Parental leave is described as generous for birthing and non-birthing parents. Family-planning support includes fertility and adoption assistance through dedicated programs.
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Leave & Time Off Breadth — Time away features flexible PTO and periodic company-wide days off. Volunteer time and well-being days are also highlighted as part of the time-off mix.
Chime Insights
What We Do
Chime was created because we believe everyone can Unlock Financial Progress, and we want to develop solutions and services to empower people to succeed. The premise upon which we started Chime is simple: basic banking services should be helpful, transparent, and easy. Our suite of tools and platforms give our members the ability to have more control over their money and to take action toward achieving their financial ambitions. By designing a member-centric banking app with easy-to-understand financial tools, we’re creating a more competitive market with options for everyday Americans. We offer access to accounts with no overdraft fees, providing members the chance to receive their pay up to 2 days early* with direct deposit, build credit history, and develop financial literacy to hit their goals—among many other things. Since 2012, we’ve grown our team to more than 1500 Chimers across 3 offices. But more than that, we’ve expanded the products and services we offer to our members based on their feedback. And in doing so, we’ve disrupted the banking industry and changed the conversation for everyday people about money on a national level. Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. *Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
Why Work With Us
We’ve crafted a culture that’s grounded in our core values and always focused on our members. We’re civic-minded innovators who take action to bring people together to accelerate equity and prosperity. We embrace our humanity, treat each other with respect and kindness, and are driven to make an impact on our members and communities far and wide.
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Chime Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
We offer a hybrid work policy that combines in-office days with trips to team and company-wide events, depending on your location, to ensure you stay connected to your work and teammates, whether you’re local to one of our offices or working remotely
