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Data Scientist, Dispute Risk
About the role

We’re hiring a data-driven Risk Analyst with strong analytical skills and an investigative mindset. You’ll help reduce fraud losses, improve risk processes, and protect a positive member experience. Alongside your core analytics work, you will also be investigating selected fraud and dispute cases-bringing together case evidence, transaction and account data, and risk signals to support clear, well-documented outcomes.

You’ll work closely with Product, Engineering, Data Analytics, Operational and member Experience partners. The role is a good fit for someone who can move between portfolio-level questions and detailed case review, conduct ground level investigation and data queries , communicate what the evidence supports, and turn findings into better risk decisions and processes.

In this role, you can expect to

• Analyze fraud and loss trends (25%) - Explore data proactively and in response to loss events to identify drivers, quantify opportunities, and recommend ways to reduce losses while minimizing member friction.

• Investigate fraud and dispute cases (30%) - Review assigned cases from intake through resolution or escalation. Bring together relevant member statements, transaction and account history, merchant evidence where applicable, and risk signals. Assess evidence quality and consistency; document what is supported, what remains uncertain, and the recommended next step in accordance with established policies and decision authority. Understand agent SOPs and get familiar with using agent tools with the goal to improve AHT and decision accuracy.

• Improve processes and automation (20%) - Identify and apply AI and automation opportunities across dispute and fraud workflows to reduce repetitive manual work, improve consistency, and accelerate analysis. Partner with relevant teams to test solutions, validate outputs, and ensure appropriate human review and controls before implementation.

• Build reporting and monitor performance (10%) - Develop and maintain actionable dashboards and reports that track risk performance against loss and member-experience metrics.

• Collaborate on ad hoc needs (15%) - Partner with internal stakeholders to answer time-sensitive questions and communicate findings clearly to technical and non-technical audiences.

To thrive in this role, you have

• 2+ years of analytical experience, preferably in financial services or fintech.

• 2+ years of experience in Fraud, Compliance, Risk, Investigations, or a related field; relevant case-review or dispute experience is a plus.

• 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; you can synthesize information across multiple sources and explain how it supports a conclusion.

• Clear written communication and sound documentation habits, especially when handling sensitive, member-impacting cases.

• Strong organization and follow-through, with the ability to manage analytical work and assigned investigations in a fast-paced environment.

• Proficient using AI-assisted tools and automation to improve productivity, while validating outputs and protecting sensitive information.

• A growth mindset, willingness to learn new tools and processes, and a passion for Chime’s mission.

• A bachelor’s or master’s degree in a quantitatively rigorous discipline such as engineering, statistics, mathematics, or economics is preferred.

#LI-Onsite #LI-BE1
Below is the base salary offered for this role and level of experience. Full-time employees may also be eligible for bonus(es), competitive equity, and benefits. For commissioned roles, the base salary listed in this job description does not include incentive/variable pay. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.

Wage Notice
$109,000 — $150,000 USD

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.

What we offer for our full-time, regular employees

• 🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.

• 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.

• ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.

• 🏝 Generous vacation policy and company-wide paid days off

• 🫂 1% of your time off to support local community organizations of your choice

• 👟 Annual wellness stipend to use towards eligible wellness related expenses

• 👶 Up to 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents

• 👪 Access to family planning reimbursement

• 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress

We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.

Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: accommodations@chime.com .

To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice .

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Requirements found

Compliance Google Sheets Sql Python Word

What this posting asks for

Level: Mid level — The posting asks for 2+ years of experience.

Main responsibilities

Analyze fraud and loss trends (25%) - Explore data proactively and in response to loss events to identify drivers, quantify opportunities, and recommend ways…
Investigate fraud and dispute cases (30%) - Review assigned cases from intake through resolution or escalation. Bring together relevant member statements, tr…
Improve processes and automation (20%) - Identify and apply AI and automation opportunities across dispute and fraud workflows to reduce repetitive manual wo…
Build reporting and monitor performance (10%) - Develop and maintain actionable dashboards and reports that track risk performance against loss and member-ex…
Collaborate on ad hoc needs (15%) - Partner with internal stakeholders to answer time-sensitive questions and communicate findings clearly to technical and n…
To thrive in this role, you have
2+ years of analytical experience, preferably in financial services or fintech.
2+ years of experience in Fraud, Compliance, Risk, Investigations, or a related field; relevant case-review or dispute experience is a plus.
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.

Competencies an interviewer will look for

Technical skill Core
In the posting: “You’ll work closely with Product, Engineering, Data Analytics, Operational and member Experience partners.” · “Excellent SQL and advanced google sheets skills;” · “experience with Python is preferred.”
Show it by: Names the tools, languages or systems used and how; Explains a technical choice and its trade-off.
Problem solving Core
In the posting: “We’re hiring a data-driven Risk Analyst with strong analytical skills and an investigative mindset.” · “Alongside your core analytics work, you will also be investigating selected fraud and dispute cases-bringing together case evidence, transaction and account …” · “The role is a good fit for someone who can move between portfolio-level questions and detailed case review, conduct ground level investigation and data queri…”
Show it by: Describes a real problem, the options considered and the one chosen; Shows how the cause was found, not just the fix.
Communication Core
In the posting: “The role is a good fit for someone who can move between portfolio-level questions and detailed case review, conduct ground level investigation and data queri…” · “Collaborate on ad hoc needs (15%) - Partner with internal stakeholders to answer time-sensitive questions and communicate findings clearly to technical and n…” · “you can synthesize information across multiple sources and explain how it supports a conclusion.”
Show it by: Adapts the message to the listener; Gives an example of explaining something clearly in writing or speech.
Teamwork and collaboration Core
In the posting: “You’ll work closely with Product, Engineering, Data Analytics, Operational and member Experience partners.” · “Partner with relevant teams to test solutions, validate outputs, and ensure appropriate human review and controls before implementation.” · “Collaborate on ad hoc needs (15%) - Partner with internal stakeholders to answer time-sensitive questions and communicate findings clearly to technical and n…”
Show it by: Says what they did inside a team, not only what 'we' did; Shows how a disagreement was handled.
Planning and organisation Core
In the posting: “Strong organization and follow-through, with the ability to manage analytical work and assigned investigations in a fast-paced environment.” · “🫂 1% of your time off to support local community organizations of your choice” · “👪 Access to family planning reimbursement”
Show it by: Shows how priorities were set when everything was urgent; Mentions deadlines met and how.
Data and analysis Core
In the posting: “We’re hiring a data-driven Risk Analyst with strong analytical skills and an investigative mindset.” · “Alongside your core analytics work, you will also be investigating selected fraud and dispute cases-bringing together case evidence, transaction and account …” · “You’ll work closely with Product, Engineering, Data Analytics, Operational and member Experience partners.”
Show it by: Uses a number to describe the situation or the result; Explains what the data showed and what was done with it.
Attention to detail and quality Core
In the posting: “Assess evidence quality and consistency;” · “Understand agent SOPs and get familiar with using agent tools with the goal to improve AHT and decision accuracy.” · “2+ years of experience in Fraud, Compliance, Risk, Investigations, or a related field;”
Show it by: Gives an example of an error caught before it caused harm; Names the check or standard they used.
Stakeholder management Core
In the posting: “You’ll work closely with Product, Engineering, Data Analytics, Operational and member Experience partners.” · “Collaborate on ad hoc needs (15%) - Partner with internal stakeholders to answer time-sensitive questions and communicate findings clearly to technical and n…”
Show it by: Shows how they aligned people with different goals; Explains how they handled a 'no' from someone senior.
Ownership and accountability Supporting
In the posting: “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…”
Show it by: Takes a task from start to finish without being chased; Owns a mistake and what was changed after it.
Adaptability and learning Supporting
In the posting: “A growth mindset, willingness to learn new tools and processes, and a passion for Chime’s mission.”
Show it by: Describes learning something new quickly and using it; Shows a change of plan and how they adjusted.

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Practice questions

Tell me about yourself. Dedicated step-by-step practice.
If an interviewer asks something improper How to respond to questions about age, family, origin or health.
Built from this posting (8):
Walk me through a piece of work where you used your strongest technical skill. What exactly did you do? From this posting
Tell me about a difficult problem you solved at work. How did you find the cause? From this posting
Tell me about a time you had to explain something complex to someone outside your field. From this posting
Describe a time you worked with another team to deliver something. What was your part? From this posting
How have you used compliance in your work? Walk me through one real example. From this posting
Tell me about a problem you solved using google sheets. From this posting
Tell me about a task you took from start to finish without anyone asking you to. From this posting
Describe a time your plans changed suddenly. How did you adjust? From this posting
This posting reads as Data analysis: its questions come first.
Tell me about an analysis that changed a decision. Data analysis
How do you check that a query or spreadsheet you built gives the right answer? Data analysis
Describe a new tool or technique you learned to finish a piece of work. Data analysis
Describe a time you found that the data you were given was wrong. Data analysis
A manager asks you for 'the numbers' by tomorrow with no further detail. What do you do? Data analysis
What makes a dashboard useful, and how have you built one? Data analysis
Tell me about a time you explained a statistical result to people without a data background. Data analysis
Sales dropped 15% last month. How would you find out why? Data analysis
Walk me through how you would check whether a report's numbers are right.
Describe a time you handled an upset customer or colleague.
Tell me about a time you had several deadlines at once. How did you decide what to do first?
Give an example of a mistake you caught before it caused a problem.
Tell me about a time you taught someone how to do something.
Describe a time you took the lead without being asked.
Tell me about a time you had to explain something complicated in simple terms.
Describe a process you improved.
Do you have any questions for us?
Why do you want to work here?
Why is there a gap in your employment? Difficult question
Why did you leave your last job? Difficult question
Why are you changing careers? Difficult question
What is your greatest weakness? Difficult question
What are your salary expectations? Difficult question
You seem overqualified for this role. Why do you want it? Difficult question
Improper-question practice: How old are you? / Do you have children? / Where are you from originally?
A customer is angry about a delay you did not cause. What do you do?
How do you keep track of many open customer requests?
Tell me about a time you could not give a customer what they wanted.
You find that the inventory count does not match the system. What do you do?
Tell me about a time a shipment or delivery went wrong.
How do you make sure safety rules are followed on a busy shift?
Two managers ask you to book the same room at the same time. What do you do?
How have you used spreadsheets in your work?
Tell me about a time you had to enter or check a lot of data accurately.
Tell me about a sale or agreement you are proud of.
A prospect says your price is too high. How do you respond?
How do you keep your pipeline organised?
Tell me about a technical problem you solved on your own.
You find a bug right before a release. What do you do?