Senior Data Analyst, Authentication Risk

<h2><span style="font-family: helvetica, arial, sans-serif;"><strong>About the Role</strong></span></h2> <p><span style="font-family: helvetica, arial, sans-serif;">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.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">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.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">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.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">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.</span></p> <h2><span style="font-family: helvetica, arial, sans-serif;"><strong>In this role, you can expect to</strong></span></h2> <ul> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Analyze authentication and ATO-related risk signals to proactively identify fraud trends, abuse patterns, and control gaps, balancing loss reduction with member experience (40%)</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">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%)</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Build and maintain dashboards and reporting to monitor authentication health, ATO rates, fraud losses, and member impact metrics (10%)</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Support ad-hoc risk investigations and analysis related to authentication abuse, incidents, andf emerging threats (10%)</span></li> </ul> <h2><span style="font-family: helvetica, arial, sans-serif;"><strong>To thrive in this role, you have</strong></span></h2> <ul> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">5+ years of experience in Fraud, Risk, Compliance, or Investigations, with exposure to ATO or authentication-related risk</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">2+ years of hands-on analytics experience, ideally in FinTech or a high-scale consumer platform</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Strong SQL skills and the ability to work comfortably with large, complex datasets</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Solid understanding of authentication mechanisms, account security risks, and industry fraud trends</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Experience developing or influencing risk strategies, policies, or controls</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">High attention to detail with a strong bias toward structured, data-driven problem solving</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Ability to operate in a fast-paced environment, manage ambiguity, and deliver high-quality work under tight timelines</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Bachelor’s or Master’s degree in a quantitative field (engineering, statistics, math, economics preferred)</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">A strong alignment with Chime’s mission and a passion for protecting members from fraud</span></li> </ul> <p><span style="font-family: helvetica, arial, sans-serif;">#LI-Hybrid #LI-EI1</span></p><div class="content-conclusion"><h2><span style="font-family: helvetica, arial, sans-serif;"><strong>A little about us</strong></span></h2> <p><span style="font-family: helvetica, arial, sans-serif;">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.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">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.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">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.&nbsp;</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">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.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">Because if we don't—who will?</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">*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.</span></p> <h2><span style="font-family: helvetica, arial, sans-serif;"><strong>What we offer for our full-time, regular employees</strong></span></h2> <ul> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">🏢 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.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">💻 In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">💰 Competitive salary based on experience</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial,