Senior Associate, Product Compliance

Title: Senior Associate, Product Compliance

Location: Chicago, IL, USA; New York, NY, USA; San Francisco, CA, USA

Job Description:

About the role

We are hiring a Senior Associate to join our Product Compliance team to support Chime’s products and services with a focus on payments and credit cards. As a Senior Associate, you will help shape new and existing products by partnering closely with Product, Engineering, Operations, Legal, and Compliance teams to identify regulatory requirements early and build practical solutions that support both compliance and member experience. You’ll monitor the evolving regulatory landscape, assess impacts to Chime products and services, and help ensure we continue to unlock financial progress for our members while scaling responsibly. You will also collaborate with our issuing bank partners’ legal and compliance teams to develop innovative and sustainable compliance risk management solutions.

The base salary offered for this role and level of experience will begin at $101,000.00 and up to $140,000.00. 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

• Demonstrate expertise in consumer laws and regulations related to consumer financial products, including but not limited to Regulation Z, UDAAP, Regulation E, Regulation DD, the Bank Secrecy Act, and applicable state money transmission requirements.
• Partner closely with Product, Engineering, Operations, Legal, and Compliance teams to integrate compliance requirements into new and existing products and features.
• Evaluate product compliance risks and provide practical guidance that supports business objectives while maintaining regulatory compliance.
• Lead or support remediation efforts for products and processes within your scope, helping drive sustainable corrective actions.
• Monitor emerging regulatory developments and assess potential impacts to Chime products, controls, and member experiences.
• Support compliance management system activities, including policy and procedure maintenance, documentation development, audits, examinations, and issue management.
• Establish and maintain strong relationships with internal stakeholders, external partners, and issuing bank compliance teams.

To thrive in this role, you have

• 6+ years of experience in banking, credit, payments, deposits, fintech, or a related product compliance function.
• Demonstrated knowledge of key regulations including UDAAP, FTC requirements, TILA (Reg Z), Regulation E, Regulation DD, FCRA, Bank Secrecy Act requirements, VISA rules, and state money transmission laws.
• Experience researching, interpreting, and applying banking regulations, industry guidance, and regulatory expectations to product decisions.
• Experience conducting compliance risk assessments and translating findings into practical business recommendations.
• Strong analytical, verbal, and written communication skills, with experience independently executing compliance management system activities.
• Ability to operate autonomously, solve complex problems, and develop practical solutions with minimal oversight.
• Proven ability to collaborate and influence internal stakeholders and external partners to achieve alignment on regulatory risk issues and mitigation strategies.

#LI-BE1#LI-Hybrid

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.