About the RoleAt 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.
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 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%)
To thrive in this role, you have- 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 preferred
- 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
- Bachelor's degree in a quantitatively rigorous discipline like engineering, statistics, math, or economics is preferred
- A passion for Chime's mission
#LI-Onsite #LI-EI1
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.
