Fraud Oversight Analyst, BPO

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 member accounts safe, provide them uninterrupted access to their money, and minimize risk exposure all while maintaining best-in-class fraud loss metrics. We have multiple business process operation vendor(s) across different geographies and are accountable for the fraud footprint strategy and execution of investigations. In the role of Fraud Oversight Analyst, BPO  you will join our Fraud Investigations team and oversee the machine learning validation processes, P2P monitoring, and scaled services functions of our BPO. 

The base salary offered for this role and level of experience will begin at $82,620.00 and up to $114,800.00. Full-time employees are also eligible for a bonus, competitive equity package, and benefits. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.

In this role, you can expect to

• Create best practices for machine learning validation and retraining, as well as P2P alert monitoring and trend analysis 
• Partner with our BPO teams to validate data within time-sensitive parameters to influence fraud strategy, model revisions, and rule efficacy 
• Understand current risk methodologies and conceptualize solutions to optimize risk account action policy and processes to improve member experience 
• Assist with support of agent selection criteria and training program
• Build trusting relationships across the BPO organization and internal teams
• Own triage procedures and execution for escalated incidents 
• Own KPI’s and reporting of initiative, policy, and performance metrics
• Support ad-hoc projects as assigned

To thrive in this role, you have

• 4+ years of Fintech, or financial services experience
• 4+ years of experience with fraud prevention, fraud data analysis, investigations, or risk management with an emphasis on machine learning and P2P 
• Experience working with large-scale BPOs onshore and offshore and relationship management
• A positive, team player mentality with strong collaborative qualities 
• Daily use of SQL to build data-backed decisions 
• Strong oral and written communication, along with a strong analytical mindset. 
• Self-motivating drive with a track record of working autonomously, skilled at implementing new processes and systems, and the ability to influence senior leadership
• Ability and willingness to travel domestically and internationally, approx. 25% of the time (post COVID)

A little about us

At Chime, we believe that everyone can achieve financial progress. We’re passionate about developing solutions and services to empower people to succeed. Every day, we start with empathy for our members and stay motivated by our desire to support them in ways that make a meaningful difference. 

We created Chime—a financial technology company, not a bank*-- founded on the premise that basic banking services should be helpful, transparent, and fair. Chime helps unlock the access and ability our members need to overcome the systemic barriers that block them from moving forward. By providing members with access to liquidity, rewards, and credit building, our easy-to-use tools and intuitive platforms give members the ability to have more control over their money and to take action toward achieving their financial ambitions.

So far, we’re well-loved by our members and proud to have helped millions of people unlock financial progress, whether they started a savings account, bought their first car or home, opened a business, or went to college. Every day, we’re inspired by our members’ dreams and successes, big and small. 

We’re uniting everyday people to unlock their financial progress—will you join us? 

*Chime partners with The Bancorp Bank and Stride Bank, N.A., Members FDIC, that power the bank accounts used by Chime Members.

What we offer

• 🏢 A thoughtful hybrid work policy that combines in-office days and trips to team and company-wide events depending on location to ensure you stay connected to your work and teammates, whether you’re local to one of our offices or remote
• 💻 Hybrid work perks, like UrbanSitter and Kinside for backup child, elder and/or pet care, as well as a subsidized commuter benefit
• 💰 Competitive salary based on experience
• ✨ 401k match plus great medical, dental, vision, life, and disability benefits
• 🏝 Generous vacation policy and company-wide Take Care of Yourself Days 
• 🫂 1% of your time off to support local community organizations of your choice
• 🧠 Mental health support with therapy and coaching through Modern Health
• 👶 16 weeks of paid parental leave for all parents and an additional 6-8 weeks for birthing parents
• 👪 Access to Maven, a family planning tool, with up to $10k in reimbursement for egg freezing, fertility treatments, adoption, and more.
• 🎉 In-person and virtual events to connect with your fellow Chimers—think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!
• 💚 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.

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 the San Francisco Fair Chance Ordinance, Cook County Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation, please let us know.

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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