Senior Analyst, Ecosystem Risk

The Senior Analyst, Ecosystem Risk role at Chime plays a critical role in identifying, monitoring, and analyzing risks across Chime’s external ecosystem, including bank partners, vendors, internal platforms, and third-party dependencies. This role supports Chime’s Risk Mission control to protect members by delivering timely insights, data-driven analysis, and operational execution that strengthen ecosystem resilience.

You’ll work closely with Risk, Engineering, Product, Analytics, and Bank Partnerships to identify emerging risks, support incident response, and ensure that ecosystem growth is balanced with robust risk controls.

The base salary offered for this role and level of experience will begin at $94,000.00 and up to $130,000.00. 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.

• Monitor & analyze ecosystem risk
• Track, analyze, and report on ecosystem risk indicators, trends, and incidents
• Investigate emerging risks related to fraud, scams, third-party dependencies, and partner activity
• Support dark web monitoring and scam intelligence efforts by gathering, validating, and summarizing findings
• Support incident response & risk operations
• Assist with incident monitoring, triage, documentation, and post-incident analysis
• Partner with senior risk leads during incidents by providing data, timelines, and impact assessments
• Provide final approvals and oversight for DecPlat rules, ensuring alignment with technical soundness and organizational policy.
• Maintain accurate incident logs, dashboards, and supporting artifacts
• Deliver actionable insights
• Build and maintain dashboards and reports using SQL and BI tools to surface risk signals
• Conduct ad-hoc analyses to answer ecosystem risk questions from cross-functional partners
• Translate complex data into clear insights for non-technical stakeholders
• Collaborate cross-functionally
• Partner with Product, Engineering, Bank Partnerships, and Legal to support ecosystem risk assessments
• Provide analytical support for new partnerships, ecosystem changes, and ongoing monitoring
• Contribute to risk reviews and documentation used by leadership and risk committees

• 3–5+ years of experience in risk, fraud, trust & safety, or analytics within fintech, banking, or payments
• Experience working with ecosystem, third-party, or partner-related risk preferred
• Strong analytical mindset with the ability to identify patterns and anomalies
• 2+ years of working/intermediate proficiency in SQL
• Experience using BI and monitoring tools such as Looker, Datadog, Hex, or similar
  Familiarity with fraud, scams, or incident management concepts
• Detail-oriented and execution-focused, with the ability to manage multiple priorities
• Comfortable working in ambiguity and evolving environments
• Clear communicator who can explain findings succinctly
  Member-first mindset with a passion for protecting customers and preventing fraud

#LI-Onsite #LI-BE1 

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.