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Salary: USD 165,000 - 205,000 / annual
Chime is hiring Product Managers for its Trust & Safety organization, which spans the full member lifecycle and is responsible for keeping members' accounts safe, ensuring uninterrupted access to their money, and minimizing risk and fraud loss across the platform.
You'll drive critical investments in two core domains:
**Transaction Risk Decisioning:** Build systems that evaluate transaction risk in real time across card payments, peer-to-peer payments, and bank transfers. You'll work on raising authorization rates, containing emerging fraud patterns, and turning declines into recoverable experiences. This requires deep expertise in payments risk, including card network rules, authorization and decline codes, and dispute frameworks.
**Member Identity & Lifecycle:** Own core identity and account lifecycle capabilities that determine how Chime responds when a member is suspended, closed, re-enabled, or otherwise restricted. Serve as a critical partner to product teams introducing new account types or lifecycle behaviors, helping them integrate safely with shared Chime patterns. This requires experience with identity or account lifecycle systems and cross-product orchestration.
In these roles, you will:
- Define and drive product strategy and roadmap within Trust & Safety, balancing customer experience, risk mitigation, and operational efficiency
- Own ambiguous, high-impact problem spaces and make thoughtful tradeoffs across technology, operations, compliance, and business goals
- Make high-stakes tradeoffs where decisions directly impact fraud loss, member trust, and regulatory compliance
- Partner deeply with cross-functional teams—Engineering, Data Science, Design, Operations, Risk, and Compliance—to deliver scalable, reliable systems
- Build and evolve systems that leverage data, experimentation, and machine learning to improve outcomes
- Define clear metrics and success frameworks, using data to drive continuous improvement
- Redesign moments of friction—declines, restrictions, and closures—so they are understandable, targeted, and recoverable for legitimate members
- Influence cross-functional strategy and align stakeholders across diverse priorities and constraints
- Drive execution in mission-critical environments where reliability, security, and compliance are non-negotiable
- Contribute to the evolution of Trust & Safety and Operations at Chime by identifying new opportunities and shaping long-term strategy
Chime is a financial technology company (not a bank) that empowers members to take control of their finances through user-friendly tools and intuitive platforms. The company operates with an owner's mindset, values bold thinking and risk-taking, and is deeply committed to earning and keeping people's trust through the highest standards of integrity.
The in-office work policy requires four days a week in the office and Fridays from home for those near one of the company's offices. Full-time employees are eligible for bonus, competitive equity, and comprehensive benefits including health, financial, and wellbeing coverage, generous vacation, paid parental leave (up to 22 weeks for birthing parents, 12 weeks for non-birthing parents), annual wellness stipend, and 1% of time off for community service.
**Requirements:**
- 6+ years of experience as a Product Manager (leveling will vary based on experience and scope)
- Depth in at least one of the domains: payments and transaction risk, or identity and account lifecycle
- Experience working on complex product problems involving risk, operations, platforms, or customer-facing systems
- Strong product judgment and ability to navigate ambiguity and make principled tradeoffs
- Strategic mindset paired with ability to translate vision into practical execution
- Proven ability to influence and align cross-functional stakeholders across technical and non-technical teams
- Experience operating in systems with significant policy, operational, and data dependencies
- Strong analytical skills with experience using data to inform decisions and measure impact
- Customer empathy with ability to deeply understand user needs and translate them into product solutions—with particular sensitivity to how declines, restrictions, and closures affect member trust and retention
- Comfort operating in fast-moving, high-stakes environments with evolving constraints
- Passion for Chime's mission of helping members lead healthier financial lives
