Data Scientist, Dispute Risk

We’re hiring a data-driven Risk Analyst with strong analytical skills and an investigative mindset to help reduce fraud losses, improve risk processes, and protect a positive member experience at Chime.

You’ll work closely with Product, Engineering, Data Analytics, Operational and member Experience partners. The role involves analysing fraud and loss trends, investigating fraud and dispute cases, improving processes and automation, building reporting and monitoring performance, and collaborating on ad hoc needs.

Responsibilities:

• Analyse fraud and loss trends to identify drivers and recommend ways to reduce losses.
• Investigate fraud and dispute cases, bringing together case evidence, transaction and account data, and risk signals.
• Improve processes and automation across dispute and fraud workflows.
• Develop and maintain actionable dashboards and reports to track risk performance.
• Partner with internal stakeholders to answer time-sensitive questions.

Requirements:

• 2+ years of analytical experience, preferably in financial services or fintech.
• 2+ years of experience in Fraud, Compliance, Risk, Investigations, or a related field.
• Excellent SQL and advanced Google Sheets skills; experience with Python is preferred.
• Familiarity with payment processing fundamentals and an interest in fraud typologies, risk trends, or risk strategy.
• Strong critical thinking and attention to detail.
• Clear written communication and sound documentation habits.
• Strong organisation and follow-through.
• Proficient using AI-assisted tools and automation.
• A growth mindset and willingness to learn new tools and processes.

Benefits:

• Competitive salary ($109,000-$150,000 USD).
• Bonus(es) and competitive equity.
• Comprehensive health, financial, and wellbeing benefits.
• Generous vacation policy and company-wide paid days off.
• 1% of your time off to support local community organisations.
• Annual wellness stipend.
• Up to 22 weeks of paid parental leave.
• Access to family planning reimbursement.