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 will 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.

The base salary starts at $ and can go up to $. You may also receive a bonus, competitive equity package, and benefits. Salary may be higher based on location, skills, qualifications, and experience.

• 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, and emerging threats (10%).

• 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 Fin Tech 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.

• Competitive salary and bonus structure.
• Equity package.
• Health, dental, vision, life, and disability benefits.
• 401(k) match.
• Paid parental leave up to 24 weeks for birthing parents and 12 weeks for non‑birthing parents.
• Generous vacation policy.
• Annual wellness stipend.
• Volunteer time off to support community organizations.
• Family planning support, including a lifetime reimbursement up to $15,000 for egg freezing, fertility treatments, and adoption.
• Paid time off for community events and company‑wide days.

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, and 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

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