Senior Data Analyst, Authentication Risk

chime· 69 open roles

Location TBD On-siteFull-time3 weeks ago

Salary

$133,000 - $185,000

Experience

Mid

Job Type

Full-time

Posted

3 weeks ago

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About This RoleAI processing…

About the Role 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 seaml

Key Responsibilities

1
Analyze authentication and ATO-related risk signals to proactively identify fraud trends, abuse patterns, and control gaps, balancing loss reduction with member experience (40%)
2
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%)
3
Build and maintain dashboards and reporting to monitor authentication health, ATO rates, fraud losses, and member impact metrics (10%)
4
Support ad-hoc risk investigations and analysis related to authentication abuse, incidents, andf emerging threats (10%)

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

Perks & Benefits

🏢 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