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.

ABOUT THE ROLE

At Chime, managing risk is one of the key competencies that set us apart from our peers. Our goal is to keep member accounts safe, provide them uninterrupted access to their money, and minimize risk exposure all while maintaining best-in-class fraud loss metrics. As a Fraud Investigator at Chime, you will be part of the Chicago office where you’ll investigate and analyze suspicious fraudulent activity to help develop, refine, and execute Chime’s tactical risk strategies with a focus on account takeovers (ATO), scams, and authentication-based threats. In this role, you’ll assist with outlier pattern detection while taking appropriate actions on Chime member accounts with a high precision rate.
The base salary offered for this role and level of experience will begin at $82,620.00 and up to $114,800.00. 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

• Monitor and identify optimization areas for risk reporting to adapt to shifting industry trends.
• Investigate and respond to ATO and scam-related cases by analyzing suspicious account behavior, session/device patterns, and authentication attempts.
• Extract and review data for exploratory and elevated suspicious activity. Including performing investigative analysis on accounts creating similar fraud risks
• Support product and feature launches through the lens of proactive risk mitigation opportunities.
• Identify criteria, validate data, and communicate awareness of trends to influence fraud strategy, model revisions, and rule efficacy to stakeholders and senior management.
• Understand current risk methodologies and conceptualize solutions
• Partner with Analytics and Data Science teams to execute risk mitigation tactics and deploy models focused on identifying various fraudulent behavior and activity proactively
• Triage escalated cases that resulted in adverse account actioning
• Assist with optimization of processes to improve member experience
• Support ad-hoc projects as assigned to improve both fraud prevention efficacy and member experience.

TO THRIVE IN THIS ROLE, YOU HAVE

• Minimum 3 years of experience with fraud prevention, fraud data analysis, investigations, or risk management
• 1 year of using SQL as a part of the analysis
• Ability to jump into escalated situations with limited notice
• Drive and ability to work efficiently and independently in a fast-paced, technology-driven environment
• Exceptional organizational and communication skills with the ability to articulate complex concepts in a clear manner
• Experience analyzing current fraud trends
• Excellent analytical and problem-solving skills
• A positive, team player mentality with strong collaborative qualities
• Experience with Independently managing short and long term projects
  

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