Chime Financial, Inc.

Nik Shevyrev

Jiby Babu

Brian Mullins

Parin Shah

The present disclosure relates to systems, non-transitory computer-readable media, and methods for utilizing machine-learning models to determine take-over scores and intelligently provide or limit access to account features. In particular, in one or more embodiments, the disclosed systems can train and utilize digital security machine-learning models to generate a take-over score indicating a likelihood that the request to access the secure digital account is unauthorized activity. Based on the determining that the take-over score satisfies a take-over threshold, the disclosed systems can allow access to the secure digital account by providing secure account information but prohibit access to a subset of account features.

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San Mateo, CA, United States of America

Nik Shevyrev