Senior Data Analyst, New Account Risk

Chime Financial, Inc; San Francisco (CA); On-site; USD 133,000 - 185,000; Full time

Job summary

Chime is seeking an L4 Risk Analyst on the New Account Risk team to protect enrollment from fraud while enabling fast, frictionless member onboarding. You will analyze data, develop risk policies, dashboards, and insights in collaboration with Product, Engineering, Data Science, Compliance, and Operations.

This role supports 2026 goals: reduce synthetic identity and improve Funnel Enrollment Rate. You will design tests for new account risk rules, monitor third-party models, and produce

Qualifications

• 3+ years of experience in Fraud, Risk, Compliance, or Investigations, ideally with new account enrollment or identity fraud.
• Working knowledge of identity fraud domains like synthetic identity and identity theft.
• Strong SQL skills; familiarity with Python, R, or similar language preferred.
• Experience with BI tools such as Looker, Hex, or equivalent.
• Advanced Microsoft Excel skills.

Responsibilities

• Analyze enrollment data to reduce synthetic identity and ID theft losses with minimal impact on legitimate applicants.
• Support design, testing, and monitoring of new account risk policies and decision rules with Product and Engineering.
• Build and maintain dashboards and reports tracking Funnel Enrollment Rate and fraud metrics.
• Monitor vendor models and risk signals; flag anomalies for the team.
• Collaborate with cross-functional stakeholders on ad-hoc analyses.

Skills

SQL

Python

R

BI tools

Excel

AI tools

Attention to detail

Time management

Cross-functional collaboration

Education

Bachelor’s degree in a quantitative field

Tools

Looker

Hex

SQL

Python

R

Excel

Glean/Claude

Job description

About the Role

At Chime, the moment someone becomes a member is everything—it’s where trust begins, and where bad actors try to slip in. As an L4 Risk Analyst on the New Account Risk team, you will help protect Chime’s enrollment funnel from fraud while ensuring every legitimate applicant gets a fast, frictionless path to membership. You’ll work closely with Product, Engineering, Data Science, Compliance, and Operations, digging into data to spot emerging fraud patterns and turning your findings into policies, dashboards, and recommendations the team can act on.

Your work will directly support the team’s two headline goals for 2026: improving the Funnel Enrollment Rate (FER) and reducing the post-enrollment synthetic identity theft rate.

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.

In this role, you can expect to

• Analyze enrollment and application data to identify opportunities to reduce synthetic identity and ID theft losses, with minimal impact to legitimate applicants (35%)
• Support the design, testing, and monitoring of new account risk policies and decision rules, partnering with Product and Engineering to ship improvements (30%)
• Build and maintain dashboards and reports that track Funnel Enrollment Rate, fraud loss, and approval/false-positive rates against team goals (20%)
• Monitor the performance of third-party vendor models and risk signals used at enrollment, flagging anomalies and trends to senior team members (10%)
• Collaborate with cross-functional stakeholders to fulfill ad-hoc analysis requests as needed (5%)

To thrive in this role, you have

• 3+ years of experience in a Fraud, Risk, Compliance, or Investigations role, ideally with exposure to new account enrollment, identity fraud, or KYC/CIP
• Working knowledge of identity fraud domains such as synthetic identity and identity theft, and an interest in the threat landscape that targets enrollment funnels
• Strong SQL skills; familiarity with Python, R, or a similar analytical language preferred
• Experience with BI tools such as Looker, Hex, or equivalent
• Advanced Microsoft Excel skills
• Comfort using AI tools (e.g., Glean, Claude) to accelerate day-to-day analysis
• Exceptional detail-orientation and organizational skills; you’re eager to solve challenging analytical problems for our members
• The drive to work in a fast-paced environment and meet ambitious deadlines while ensuring flawless completion
• Bachelor’s degree in a quantitatively rigorous discipline like engineering, statistics, math, or economics is preferred
• A passion for Chime’s mission

#LI-Onsite #LI-EI1

A little about us

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.

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?

*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 you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.
• Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
• Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
• Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
• Access to family planning reimbursement
• A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress

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: [e-mail].

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