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Salary: USD 101,000 - 140,000 / annual
Chime, a fintech company providing financial services through partner banks, is seeking a Senior Associate in Compliance Advisory to serve as a second line of defense across complaints, product, and operations teams.
In this role, you will partner with Complaints, Product, Operations, and other business teams to provide compliance guidance and support consumer complaint oversight, new and existing product operations advisory, agent readiness, member- and agent-facing communications, and process improvement. You will identify consumer and regulatory risks and help drive issues through remediation and implementation.
Key responsibilities include:
**Complaints Management:**
- Advise first-line teams on complaint-management requirements, regulatory expectations, and industry best practices
- Review complaint-handling processes, procedures, controls, and documentation; identify gaps and recommend remediation, maintaining ownership through implementation
- Recommend and implement process improvements balancing regulatory requirements with member-friendly solutions
- Apply knowledge of consumer financial regulations including Regulations Z, E, and DD, UDAAP, NACHA, VISA Operating Standards, and applicable state requirements
- Support operational teams in investigating and resolving consumer complaints while analyzing trends and potential member impact
- Perform oversight and monitoring to promote timely, accurate, and appropriate complaint resolution
- Develop and refine complaint procedures, guidance, training materials, and educational resources
- Assist with responses to sensitive and regulatory complaints and inquiries
- Support regulatory, bank partner, and internal audit readiness by collecting, organizing, and validating documentation
- Review complaint dashboards and trends to identify emerging risks and opportunities for improvement
- Present compliance findings, complaint trends, risk assessments, and recommendations to business partners and stakeholders
- Prepare executive-level reports and presentations on compliance data, trends, risks, and recommendations
**Compliance Advisory:**
- Provide compliance advisory support for operations supporting new products and changes to existing products
- Translate complex compliance requirements and data-driven insights into clear, practical, actionable guidance for business partners
- Support agent readiness by partnering on agent-facing communications, member-facing communications, help center articles, training, and other content
- Partner with Compliance, Legal, Quality Control, Quality Assurance, bank partners, and business teams to mitigate compliance risk
- Demonstrate strong proficiency in AI tooling and proactively identify responsible AI-enabled tools and workflows
- Use AI tooling to accelerate data analysis, complaint-trend identification, monitoring, oversight, research, documentation, reporting, and business-partner guidance while maintaining appropriate human review and confidentiality compliance
- Leverage AI-enabled insights to help business partners make faster, better-informed decisions and improve outcomes for members
- Support quality assurance and quality control as a second line of defense
- Serve as a knowledgeable Compliance presence in meetings with bank partners and business partners
**Core Competencies:**
- Consumer complaints and complaint-program management and oversight
- Regulatory knowledge and ability to interpret applicable regulations and translate them into practical, risk-based guidance
- Risk identification, escalation, and remediation
- Executive and business-partner communication and presentation skills
- Data analysis, automation, and practical application of AI tools
- Cross-functional collaboration and stakeholder management
- Process documentation, monitoring, training, and continuous improvement
- Independent execution and resourcefulness, including taking end-to-end ownership
**Requirements:**
- 5+ years of compliance experience in fintech, banking, or financial services, including meaningful work supporting consumer financial products and a track record of operating with a high degree of independence
- Direct, hands-on experience with deposit accounts and credit products
- Hands-on experience with consumer complaints and complaint-program management and oversight
- Strong regulatory knowledge, with the ability to interpret applicable regulations and translate them into practical, risk-based guidance for products, processes, and member experiences
- A sharp instinct for risk identification, escalation, and remediation — and the persistence to see issues through to closure
- Experience supporting regulatory exams, bank partner reviews, or internal audits
- Executive and business-partner communication and presentation skills
- Comfort with data analysis and automation, and practical experience applying AI tools to real work
- A collaborative approach to cross-functional work and stakeholder management
- Experience with process documentation, monitoring, training, and continuous improvement
- A bias toward independent execution and resourcefulness, including taking end-to-end ownership from problem to solution
- Comfort working in a fast-paced environment
Chime offers a hybrid work arrangement with four days per week in office and Fridays from home for those near an office. Full-time employees receive comprehensive health, financial, and wellbeing benefits, generous vacation policy, company-wide paid days off, 1% of time off for community service, annual wellness stipend, up to 22 weeks of paid parental leave for birthing parents and 12 weeks for non-birthing parents, family planning reimbursement, backup child/elder/pet care, and subsidized commuter benefits.
