Funding Risk Analyst

We are looking for a risk analyst who is data-driven and has strong analytical & technical skills. In this role, you will work in the fraud risk team and will play a key role in evaluating, monitoring portfolio and mitigating losses (fraud and synthetic ID losses). You’ll work closely with risk, data engineering, analytics, and finance teams, and interact with business stakeholders across many departments.

Goals will be based around empathizing with our members’ pain points, working to improve their Chime experience, and ensuring that bad actors are unable to exploit our members or monetize our platform. The ongoing pursuit of creating a fraud free, frictionless experience for our members is never ending, but is forever rewarding and exciting.

The base salary offered for this role and level of experience will begin at $112,140.00 and up to $155,800.00. 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

• Work closely with the team on evaluating and monitoring key risk metrics related to funding fraud losses and member experience for example returns rate, recovery rate, acceptance rate, write‑offs, etc.
• Deep dive into past and ongoing trends and provide data driven insights to create solutions to problems as well as dashboards for constant monitoring
• Create strategies to mitigate losses and partner with xfn teams (product, engg, ops) to implement them
• Create dashboards and monitor performance across relevant dimensions and create alerts to highlight any anomalies or unusual trends
• Work closely with Data Science and Machine Learning teams to segment customers based on risk and help automate the processes to build scalable solutions

To thrive in this role, you have

A little about us

At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank

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?

What we offer for our full‑time, regular employees

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 : benefits@chime.com.

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