About the role 

The Risk Insights team analyzes emerging fraud threats, develops data driven insights, and executes on complex, technical roadmaps to mitigate fraud risk to Chime and Chime’s members. As the Director and leader of this team, you will be responsible for ensuring the team delivers insights that inform fraud detection strategies and drive healthy payments volume. Analysts on the team use Individual problem-solving and analytical skills to authenticate customers, review transaction patterns, and perform exploratory analyses on emerging fraud trends. Decisions are made in real time, using complex data sets, and are expected to be high caliber. The team will generate data driven insights, which will be used to inform and influence change across the organization. This role can be performed remotely. 

This role cannot be performed in the state of Colorado.

In this role, you can expect to 

• Leverage your expertise and that of your team to develop insights to quickly source, analyze and deduce root cause consistently and accurately across the Chime platform
• Be able to effectively articulate and influence within the risk organization and cross-functionally on actions recommended from the team’s fraud analysis 
• Execute analysis for identifying and consistently categorizing the root cause of fraud events observed or attempted at Chime
• Hire and manage a team of experienced fraud analytics professionals
• Assist in identifying opportunities to enhance policies and monitoring activities
• Provide cross team and cross functional engagement to ensure timely execution on deliverables, and transparency to affected subject matter experts
• Create detailed issue mitigation strategies and drive issues to closure closely working with cross-functional teams

To thrive in this role, you have

• BA or BS degree; MBA or other advanced graduate degree a plus
• 6+ years of experience in a risk analytics role (primarily focused on transactional fraud
• 6+ years of SAS/SQL/R/Python or comparable analytic coding experience
• Experience with digital banking, payments and/or payment networks
• Proven track record of people management, including experience managing nimble, distributed, multi-disciplinary teams
• Experience working at a hands on level with other groups like engineers, product managers, data analysts, operations analysts in building operations processes and systems
• Demonstrated conflict management and negotiation skills; including ability to influence and communicate cross-functionally with all levels of management
• Sound experience in troubleshooting and diagnostic methodology involving technical, cross-functional teams, when necessary

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 the San Francisco Fair Chance Ordinance. 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.