Funding Risk Analyst

About the Role

We are looking for a risk analyst who is data-driven and has strong analytical & technical 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). Youll 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 $112140.00 and up to $155800.00. 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

• 2-5 years of analytical experience
• Experience working with large datasets
• Excellent SQL programming skills advanced Microsoft Excel skills and preferably experience in Python R SAS or similar language
• Experience in creating portfolio performance monitoring dashboards using Tableau Looker Hex or a similar business intelligence tool
• Understanding of funding products and flows (MCD ACH IIT etc.) industry risk trends and risk strategy development.
• Exceptional detail orientation and organizational skills you are eager to solve challenging analytical problems for the business
• Bachelors or Masters degree in a quantitatively rigorous discipline like engineering statistics math or economics is preferred
• A passion for Chimes mission

#LI-EI1 #LI-Hybrid

A little about us

At Chime we believe that everyone can achieve financial progress. We created Chimea 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 its starting a savings account purchasing a first car or home launching a business or pursuing higher education were proud to have helped millions unlock their financial potential.

Were 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 owners 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 peoples trustso we hold ourselves to the highest standards of integrity in everything we do. These arent just words on a wallour 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 dontwho 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 youre coming in regularly or are part of our fully remote program youll 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 Chimersthink 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**

**Perks also available to Chime Interns.

We know that great work cant be done without a diverse team and inclusive environment. Thats 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: .

To learn more about how Chime collects and uses your personal information during the application process please see theChime Applicant Privacy Notice.