Senior Data Analyst, Authentication Risk

About the Role We’re hiring a Data Analyst to join our Authentication Risk team, where you’ll play a critical role in preventing Account Takeover (ATO), reducing fraud losses, and protecting member trust. This role sits at the intersection of data, risk strategy, and product decisioning, with a strong emphasis on authentication flows, identity verification, and abuse prevention. You’ll partner closely with Product, Engineering, Analytics, DSML, and OMX to identify emerging attack patterns, design data‑backed controls, and continuously improve authentication resilience while maintaining a seamless member experience. Your work will directly impact how we detect, prevent, and respond to authentication risk at scale, helping ensure our company remains secure and easy to use for millions of members. The base salary for this role and level of experience will begin at $133,000 and can reach $185,000. Full‑time employees are also eligible for a bonus, competitive equity package, and benefits. The actual base salary offered may be higher, depending on location, skills, qualifications, and experience. Responsibilities Analyze authentication and ATO‑related risk signals to proactively identify fraud trends, abuse patterns, and control gaps, balancing loss reduction with member experience (40%) Partner with cross‑functional teams to design, test, and deploy authentication and ATO prevention strategies, including product and policy changes across login, recovery, and verification flows (40%) Build and maintain dashboards and reporting to monitor authentication health, ATO rates, fraud losses, and member impact metrics (10%) Support ad‑hoc risk investigations and analysis related to authentication abuse, incidents, and emerging threats (10%) Qualifications 5+ years of experience in Fraud, Risk, Compliance, or Investigations, with exposure to ATO or authentication‑related risk 2+ years of hands‑on analytics experience, ideally in FinTech or a high‑scale consumer platform Strong SQL skills and the ability to work comfortably with large, complex datasets Solid understanding of authentication mechanisms, account security risks, and industry fraud trends Experience developing or influencing risk strategies, policies, or controls High attention to detail with a strong bias toward structured, data‑driven problem solving Ability to operate in a fast‑paced environment, manage ambiguity, and deliver high‑quality work under tight timelines Bachelor’s or Master’s degree in a quantitative field (engineering, statistics, math, economics preferred) A strong alignment with our mission and a passion for protecting members from fraud Benefits Competitive salary based on experience Competitive equity package and bonus program 401k match and comprehensive health, dental, vision, life, and disability benefits Generous vacation policy and company‑wide paid days off Paid parental leave for birthing and non‑birthing parents Access to family planning tools and related reimbursements Annual wellness stipend for eligible wellness expenses EEO Statement Chime is a proud 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, 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 View email address on click.appcast.io. #J-18808-Ljbffr Menlo Ventures