Insights Analyst, Dispute Experience

About the role

As an Insights Analyst supporting Chime’s Trust & Safety Pillar at OMX, you will play a criticalx role in strengthening the integrity of our platform by delivering deep analytical insights across Dispute Operations, Fraud Operations, Product Management, Engineering, and Risk. Your work will directly influence how Chime protects members, drives operational efficiency and resilience, reduces losses, and prevents abuse.

In this highly visible role, you will partner closely with Fraud Ops, Disputes Ops, Risk, Product, and Engineering teams to diagnose emerging risks, quantify operational impacts, and develop recommendations that improve decision accuracy, automation effectiveness, and operational performance.

You will bring strong analytical rigor, exceptional communication skills, and the ability to translate complex data signals into clear, actionable insights for senior leaders. This role requires a strategic thinker who can proactively identify gaps, drive analytical frameworks, and ensure cross-functional alignment in a rapidly evolving Trust & Safety environment.

The base salary offered for this role and level of experience will begin at $138,000.00 and up to $190,000.00 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

• Analytics & Root-Cause Identification
  • Translate complex data signals into root-cause narratives and actionable operational or product recommendations.
  • Define success metrics, KPIs, monitoring frameworks, and develop predictive analytics mechanisms for Disputes and Fraud Ops.
  • Build enhanced metric and KPI frameworks that help identify emerging trends, performance shifts, and anomalies across Fraud Ops and Dispute Ops.
  • Conduct in-depth workflow and lifecycle analyses—such as examining interaction patterns, segment behaviors, and before/after performance changes—to identify friction points, root causes, and opportunities to improve Trust & Safety processes.
• AI-Enabled Automation & Decisioning
  • Partner with Product, Engineering, Fraud Strategy, and Ops to evaluate and improve AI-enabled workflows, including automated decisioning, classification models, and agent augmentation tools.
  • Analyze model outputs, false positives/negatives, and decision accuracy to recommend enhancements.
  • Measure operational and member impact of automation changes and support the design of new AI features (e.g., routing logic, contact summarization, anomaly detection).
• Experimentation & Evaluation
  • Design and evaluate A/B tests, policy changes, rule deployments, workflow adjustments, and operational interventions.
  • Surface statistically robust insights to inform go/no-go decisions and rollout strategies.
  • Develop sizing models that quantify the operational, financial, and member impact of proposed policy, workflow, or automation changes, providing clear forecasts that support data-driven rollout decisions.
• Executive Communication & Storytelling
  • Create concise, executive-level summaries that distill investigations into clear narratives with quantified impacts and recommended next steps.
  • Present Trust & Safety insights to senior leadership across Operations, Risk, Product, and Engineering.
• Cross-Functional Alignment & Leadership
  • Work closely with Operations, Risk, Product, and Engineering to ensure shared understanding of problems and alignment on solutions.
  • Proactively communicate progress, updates, timelines, and risks across stakeholders.
  • Help drive clarity in ambiguous environments, especially during live issues and emerging operational events.

To thrive in this role, you have

• Technical Skills
  • Bachelor’s degree in a quantitative field (Statistics, Data Science, Economics, Mathematics, Computer Science, Engineering).
  • 5+ years in analytics, ideally in Trust & Safety, Fraud, Risk, or Support Operations. Advanced SQL skills (complex joins, window functions, CTEs).
  • Proficiency in Python or R for experimentation, modeling, and data analysis.
  • Strong understanding of statistics, causal inference, experiment design, and anomaly detection.
  • Experience analyzing automation systems, risk models, or ML-driven workflows is a plus.
  • Experience with BI tools such as Looker or Mode.
• Domain Expertise
  • Experience in fintech, digital banking, payments, fraud, or Trust & Safety environments.
  • Experience evaluating or supporting AI/ML systems, including monitoring false positives/negatives and model performance.
  • Ability to break down ambiguous issues into structured analytical frameworks.
  • Strong understanding of how product, operations, and engineering intersect in Trust & Safety domains.
• Communication & Leadership
  • Outstanding written and verbal communication skills, especially in synthesizing complex topics for executives.
  • Proven track record of taking end-to-end ownership of cross-functional initiatives. Ability to drive alignment and decision-making across teams.
  • Mindset of strong ownership and urgency, proactive communication, and a bias toward action and clarity.

#LI-MM1 #LI-Remote

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.
• In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute
• Competitive salary based on experience
• 401k match plus great medical, dental, vision, life, and disability benefits
• Generous vacation policy and company-wide Chime Days, bonus 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 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
• Access to Maven, a family planning tool, with $15k lifetime 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.

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: benefits@chime.com.

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