Fraud & Dispute Risk Data Scientist

Chime Enterprise; Chicago (IL); On-site; USD 109,000 - 150,000; Full time

Benefits offered by this job

In-office four days a week with Friday

Fringe benefits including wellbeing

Generous vacation policy

Parental leave up to 22 weeks

Wellbeing stipend

Equity and incentives

Job summary

Chime is hiring a data-driven Risk Analyst to reduce fraud losses, improve risk processes, and protect member experience. You will investigate selected fraud and dispute cases, align evidence from transactions and risk signals, and document clear outcomes for better risk decisions.

You will collaborate with Product, Engineering, Data Analytics, Operations, and member Experience teams, handling both portfolio-level questions and detailed case reviews while growing with new tools and processes.

Qualifications

• 2+ years of analytical experience, preferably in financial services or fintech.
• 2+ years of experience in Fraud, Compliance, Risk, Investigations, or a related field; relevant case-review or dispute experience is a plus.
• Excellent SQL and advanced Google Sheets skills; experience with Python is preferred.
• Familiarity with payment processing fundamentals and an interest in fraud typologies, risk trends, or risk strategy.
• Strong critical thinking and attention to detail; you can synthesize information across multiple sources and explain how it supports a conclusion.
• Clear written communication and sound documentation habits, especially when handling sensitive, member-impacting cases.
• Strong organization and follow-through, with the ability to manage analytical work and assigned investigations in a fast-paced environment.
• Proficient using AI-assisted tools and automation to improve productivity, while validating outputs and protecting sensitive information.
• A growth mindset, willingness to learn new tools and processes, and a passion for Chime’s mission.
• A bachelor’s or master’s degree in a quantitatively rigorous discipline such as engineering, statistics, mathematics, or economics is preferred.

Responsibilities

• Analyze fraud and loss trends (25%).
• Investigate fraud and dispute cases (30%).
• Improve processes and automation (20%).
• Build reporting and monitor performance (10%).
• Collaborate on ad hoc needs (15%).

Skills

SQL

Google Sheets

Python

Education

Bachelor’s or Master’s in a quantitative field

Job description

Chime is hiring a data-driven Risk Analyst to reduce fraud losses, improve risk processes, and protect member experience. You will investigate selected fraud and dispute cases, align evidence from transactions and risk signals, and document clear outcomes for better risk decisions.

You will collaborate with Product, Engineering, Data Analytics, Operations, and member Experience teams, handling both portfolio-level questions and detailed case reviews while growing with new tools and processes.