Fraud Operations Specialist

Job Description

Chime is the largest and fastest-growing challenger banking company in the U.S., with over 5M accounts and no physical branches. We’re a technology company relentlessly focused on helping our members achieve financial peace of mind. That’s why we offer an award-winning bank account that doesn’t charge hidden fees, gives members early access to their paychecks, and helps them grow their savings automatically. And we’re just getting started. We are proud of our mission, devoted to our members, and passionate about applying technology to the challenge of making financial health a reality for everyone.

We have one of the most experienced management teams in Fintech and have raised over $300M in funding from DST, General Atlantic, Coatue, Dragoneer, Menlo, and others. If you’re looking to join a small but fast-growing company with a beloved, daily-use product and an authentic mission that puts people first, we want to meet you.

About the Role

At Chime, managing risk is one of the key competencies that set us apart from our peers. Our goal is to keep members’ accounts safe, provide them uninterrupted access to their money, minimize risk exposure all while maintaining best in class fraud loss metrics. As a Fraud Operations Specialist at Chime, you will be part of the newest Chime HQ office where you’ll work cross-functionally with our San Francisco, CA office in the development, refinement, and execution of Chime’s machine learning models. You will be responsible for analyzing suspicious behavior, make decisions while taking appropriate actions on Chime member accounts with a high rate of precision. Chime protects its members, and we need a customer-focused person with strong problem solving and communication skills to join the team!

Responsibilities

• Review suspicious account and transaction events using internal and external fraud tools, and take action in accordance with Chime’s risk policies.
• Collect and review documentation from Chime members and third parties as needed.
• Work cross-functionally with our San Francisco Account Review Operations and Member Services Teams to iterate on our account suspension, account closure, and suspicious activity escalation and resolution protocols.
• Collaborate with our Machine Learning and Data Science teams to train models focused on identifying various fraudulent behavior and activity.
• Help identify process improvements and contribute to key projects and initiatives.
• Support ad-hoc projects and/or other categories, as assigned.

Requirements

• Have a minimum of 2 years of experience in financial services within the risk management, fraud, compliance, or similar space.
• You possess excellent analytical, problem-solving, and process improvement skills.
• Adept at working with remote teams and across time zones to foster a cohesive and creative work environment.
• Possess outstanding communication skills; you are able to articulate complex concepts in a clear manner.
• Basic SQL knowledge or a willingness/desire to learn and enhance this skillset.
• Looker and Zendesk experience are a plus.
• Prior experience in FinTech is a plus!

What we offer

• Competitive salary based on experience, with medical and dental benefits.
• Free snacks and drinks, plus weekly catered lunches.
• Flexible vacation policy.
• Monthly happy hours and company events.
• Dog-friendly office.
• A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help create a completely new kind of bank.

We know great work isn’t done alone. We’re building a team of individuals to Chime in with their different strengths to benefit our employees and members. We strongly believe that different backgrounds and ideas are a competitive advantage; 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 federal, state, and Cook County ordinances. If you have a disability or special need that requires an accommodation, please let us know.