Senior Data Analyst, Authentication Risk

About the Role

We’re hiring a Data Analyst to join our Authentication Risk team, where you’ll play a critical role in preventing Account Takeover (ATO), reducing fraud losses, and protecting member trust. This role sits at the intersection of data, risk strategy, and product decisioning, with a strong emphasis on authentication flows, identity verification, and abuse prevention.

You’ll partner closely with Product, Engineering, Analytics, DSML, and OMX to identify emerging attack patterns, design data-backed controls, and continuously improve authentication resilience while maintaining a seamless member experience.

Your work will directly impact how we detect, prevent, and respond to authentication risk at scale helping ensure Chime remains both secure and easy to use for millions of members.

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 authentication and ATO-related risk signals to proactively identify fraud trends, abuse patterns, and control gaps, balancing loss reduction with member experience (40%)
• Partner with cross-functional teams to design, test, and deploy authentication and ATO prevention strategies, including product and policy changes across login, recovery, and verification flows (40%)
• Build and maintain dashboards and reporting to monitor authentication health, ATO rates, fraud losses, and member impact metrics (10%)
• Support ad-hoc risk investigations and analysis related to authentication abuse, incidents, andf emerging threats (10%)

To thrive in this role, you have

• 5+ years of experience in Fraud, Risk, Compliance, or Investigations, with exposure to ATO or authentication-related risk
• 2+ years of hands-on analytics experience, ideally in FinTech or a high-scale consumer platform
• Strong SQL skills and the ability to work comfortably with large, complex datasets
• Solid understanding of authentication mechanisms, account security risks, and industry fraud trends
• Experience developing or influencing risk strategies, policies, or controls
• High attention to detail with a strong bias toward structured, data-driven problem solving
• Ability to operate in a fast-paced environment, manage ambiguity, and deliver high-quality work under tight timelines
• Bachelor’s or Master’s degree in a quantitative field (engineering, statistics, math, economics preferred)
• A strong alignment with Chime’s mission and a passion for protecting members from fraud

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