Check Fraud Operations Specialist
About the role
We’re looking for a Check Fraud Operations Specialist to serve a critical role as part of our Mobile Check Deposit (also known as “remote deposit capture” or RDC) Risk Team. This role will require the candidate to work across many functional areas to improve productivity and rule accuracy, assist with testing and validating new risk models, assist in monitoring third party risk vendors, and provide support both internally and externally for Chime’s Mobile Check Deposit feature. The ideal candidate is a self-starter, capable of working independently, as well as in a team. You will help provide our members with access to their money while minimizing the company’s risk exposure and fraud losses. The Risk Team protects Chime members while keeping bad actors out, and we need a customer-centric person with strong problem solving and communication skills.
In this role, you can expect to
- Review suspicious account and transaction events, particularly as they pertain to check deposit fraud, using internal and external fraud tools, and take action per Chime’s risk policies
- Research and analyze data to detect fraudulent activity, and develop opportunities for minimizing fraud and avoiding false positives
- Independently determine and recommend an appropriate course of action following fraud detection
- Communicate with and assist in monitoring Chime’s Mobile Check Deposit operations with third party risk vendors, banking partners, and risk operations support teams to support critical relationships, production, and performance
- Work with Analytics and Risk to develop and test rule sets and machine learning models
- Work cross-functionally with our Compliance, Product, Engineering, and Member Services teams regarding access, risk, compliance, and communications related to Chime’s Mobile Check Deposit feature
- Help identify process improvements and contribute to key projects and initiatives in collaboration with product, analytics, and other teams
- Support internal and external audits and due diligence requests
- Support ad-hoc projects and/or other categories, as assigned
To thrive in this role, you have
- 3+ years of professional experience, including 1+ years conducting fraud or risk operations
- A self-starter mindset and are very comfortable dealing with ambiguity
- Knowledge of and experience utilizing fraud investigative techniques and practices
- Experience analyzing, summarizing, and communicating findings and issues drawn from facts, and applying complex legal and regulatory requirements in a technically competent manner
- A demonstrated ability to forge strong working relationships within and across multiple disciplines
- Excellent verbal and written communication skills
- Basic SQL knowledge and a willingness/desire to enhance this skillset a plus
- Previous experience in personal banking or remote deposit capture operations a plus
- Previous experience in written customer support a plus
- Basic Zendesk knowledge is a plus
A little about us
We created Chime because we believe everyone deserves financial peace of mind. By eliminating unnecessary fees and helping people grow their savings automatically, we’ve empowered millions of Americans to take control of their finances.
Chime is the largest and fastest-growing U.S. player in the challenger-banking space. Through our banking partners, we offer access to bank accounts with fee-free overdraft, provide members the chance to receive early access to their paychecks, help them improve their credit, and more!
We've built one of the most experienced leadership teams in Fintech and were recently valued at over $14.5B. We've raised over $1B in funding from leading investors, including DST, Coatue, Tiger Global, General Atlantic, Iconiq, Dragoneer, Menlo, Whale Rock, Access, Forerunner, Crosslink, Cathay, aCrew, and others.
What we offer
- 💰 Competitive salary based on experience
- ✨ 401k match plus the usual medical, dental, vision, life, and disability benefits
- 📝 Quarterly stipend to spruce up your home office
- 🏝 Generous vacation policy and company-wide Take Care of Yourself Days
- 🖥 Virtual events to connect with your fellow Chimers- think cooking classes, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!
- 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help create a completely new kind of banking service
We know that great work comes from great, and inclusive teams. At Chime, we specifically look for individuals of varying strengths, skills, backgrounds, and ideas. We believe this gives us a competitive advantage to better serve our members, and helps us all grow as Chimers and individuals.
We hire candidates of any race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, Veteran status, and any other status. Chime is proud to be an Equal Opportunity Employer and will consider qualified applicants with criminal histories in a manner consistent with federal, state, and Cook County ordinances. If you have a disability or special need that requires accommodation, please let us know. To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.