Data Scientist, Dispute Risk

Location: Chicago, IL, USA 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 .