Fraud & Risk Data Scientist

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

Benefits offered by this job

In-office collaboration

Health and wellbeing benefits

Generous vacation policy

Parental leave

Commuter benefits

Job summary

Chime is seeking a data-driven Risk Analyst to help reduce fraud losses, improve risk processes, and protect our members’ experience. You’ll combine case reviews with data queries to support clear, well-documented outcomes.

You’ll work with Product, Engineering, Data Analytics, and Operations to balance portfolio-level questions with detailed investigations, extracting evidence to drive better risk decisions.

Qualifications

• 2+ years analytical experience, preferably in financial services or fintech.
• 2+ years in Fraud, Compliance, Risk, Investigations, or 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 with sensitive, member-impacting cases.
• Strong organization and follow-through to manage analytical work and investigations in a fast-paced environment.

Responsibilities

• Analyze fraud and loss trends (25%) to identify drivers and opportunities and reduce losses with minimal member friction.
• Investigate fraud and dispute cases (30%) from intake to resolution, documenting evidence and recommended next steps.
• Improve processes and automation (20%) by applying AI to disputes and fraud workflows with appropriate human review.
• Build reporting and monitor performance (10%) with dashboards tracking risk and member experience metrics.
• Collaborate on ad hoc needs (15%) with internal stakeholders and clearly communicate findings to technical and non-technical audiences.

Skills

SQL

Google Sheets

Python

Education

Bachelor’s or Master’s degree in quantitative discipline

Job description

Chime is seeking a data-driven Risk Analyst to help reduce fraud losses, improve risk processes, and protect our members’ experience. You’ll combine case reviews with data queries to support clear, well-documented outcomes.

You’ll work with Product, Engineering, Data Analytics, and Operations to balance portfolio-level questions with detailed investigations, extracting evidence to drive better risk decisions.