Fraud Analyst

$144,000 - $144,000/Yr

Chime - Chicago, IL

Full-time - Mid Level

Chicago, IL

Credit Intermediation and Related Activities

About the position

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 Senior Analyst, Fraud Investigations at Chime, you'll identify, investigate, and analyze suspicious fraudulent activity to help develop, refine, and execute Chime's tactical risk strategies. In this role, you can expect to identify criteria, validate data, and communicate awareness of trends to influence fraud strategy, model revisions, and rule efficacy to stakeholders and senior management. You will also understand current risk methodologies and conceptualize solutions, assist with support and mentoring of junior investigators as they uplevel their skillset, and build trusting relationships across Operations and investigative teams, as well as external partner groups. Additionally, you will scale fraud workflows to externally scaled service partners, own triage procedures and execution for escalated incidents, and make recommendations on the optimization of risk policy, account actions, and processes to improve member experience. You will also support ad-hoc projects as assigned.

Responsibilities

• 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.
• Assist with support and mentoring of junior investigators as they uplevel their skillset.
• Build trusting relationships across Operations and investigative teams, as well as external partner groups.
• Scale fraud workflows to externally scaled service partners.
• Own triage procedures and execution for escalated incidents.
• Make recommendations on the optimization of risk policy, account actions, and processes to improve member experience.
• Support ad-hoc projects as assigned.

Requirements

• 4+ years of Fintech or financial services experience.
• 4+ years of experience with fraud prevention, fraud data analysis, investigations, or risk management sourcing and analyzing fraud trends.
• 1+ years of daily use of SQL to build data-backed decisioning.
• Experience presenting and persuading senior management of the best course of action.
• Self-motivating 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 transparent manner.
• Refined judgment with the ability to manage susceptible and confidential information.
• Excellent analytical and problem-solving skills.
• A positive, team player mentality with strong collaborative qualities.
• Experience navigating information in case management systems.

Nice-to-haves

• 1+ years in a dispute resolution or dispute fraud role preferred.
• Experience with business operations processes and vendor relationship management a plus, but not required.

Benefits

• A thoughtful hybrid work policy that combines in-office days and trips to team and company-wide events depending on location.
• Hybrid work perks, like UrbanSitter and Kinside for backup child, elder and/or pet care, as well as a subsidized commuter benefit.
• Competitive salary based on experience.
• 401k match plus great medical, dental, vision, life, and disability benefits.
• Generous vacation policy and company-wide Take Care of Yourself Days.
• 1% of your time off to support local community organizations of your choice.
• Mental health support with therapy and coaching through Modern Health.
• 16 weeks of paid parental leave for all parents and an additional 6-8 weeks for birthing parents.
• Access to Maven, a family planning tool, with up to $10k in reimbursement for egg freezing, fertility treatments, adoption, and more.
• In-person and virtual events to connect with your fellow Chimers.