Full Time Chime Customer Service Jobs (NOW HIRING)

About the role
We are hiring a Lead, Chime Enterprise Compliance to join our Product Compliance team in support of Chime's business-to-business and business-to-consumer product lines and services. As a Lead, you will serve as a primary compliance subject matter expert and trusted advisor across Chime's enterprise-facing products, working closely with product, engineering, legal, risk, and operations teams to ensure that new and existing products are developed and launched in compliance with applicable consumer financial laws and regulations.
In this lead individual contributor role, you will apply deep regulatory expertise across multiple consumer compliance disciplines to advise on product design, marketing, and feature development, lead cross-functional compliance initiatives, and proactively identify and mitigate regulatory risk across Chime's B2B and B2C product suite. You will be a go-to compliance resource recognized at the senior executive level and will help set the standard for how compliance integrates with Chime's product development lifecycle.
The base salary offered for this role and level of experience will begin at $134,000 and up to $175,000. 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

• Serve as a lead subject matter expert and primary compliance advisor for Chime's B2B and B2C product lines, including advising product, engineering, legal, and operations teams on compliance requirements for new products, features, and marketing with little to no oversight.
• Demonstrate comprehensive advisory expertise in consumer financial laws and regulations applicable to Chime's enterprise and consumer-facing products, including but not limited to: Unfair, Deceptive or Abusive Acts or Practices (UDAAP), Electronic Funds Transfer Act (Regulation E), Truth in Lending Act (Regulation Z), Equal Credit Opportunity Act (ECOA/Regulation B), Fair Credit Reporting Act (FCRA), Truth in Savings Act (Regulation DD), Bank Secrecy Act, and applicable state money transmission laws and regulations.
• Lead significant cross-functional compliance efforts with no oversight, serving as the "go-to" resource for compliance guidance across three or more regulatory areas and three or more business lines within the Chime Enterprise product portfolio.
• Own the review and approval of product collateral, user flows, disclosures, and marketing materials, developing and leading standards for review frameworks and working with legal counsel to resolve nuanced and complex compliance issues for Chime's enterprise and consumer products.
• Drive compliance readiness for product launches by independently identifying regulatory risks and developing creative, scalable mitigation solutions, including liaising with Chime's issuing bank partners' compliance and legal teams to secure timely approvals.
• Lead solutioning efforts with business, risk, and operational teams for compliance issues and findings, overseeing end-to-end remediation and ensuring sustainable risk mitigation outcomes across B2B and B2C product areas.
• Use expert knowledge to drive the implementation, maintenance, and execution of key compliance program components - including policies, procedures, training, testing, and controls - advocating for collaboration with partner teams at Director+ levels in support of corporate strategic priorities.
• Proactively identify compliance risks and process improvement opportunities across the enterprise and consumer product portfolio, applying strategic thinking to independently make decisions with moderate to significant impact on the team and Chime.
• Serve as a sought-out thought partner by business, risk, and operational teams for compliance process enhancements and issue remediation, consistently viewed in the context of overall company strategy.
• Create and lead formal cross-functional networks to advance compliance objectives; communicate and persuade diverse senior and executive stakeholders on complex regulatory matters.
• Build and maintain strong relationships with internal and external stakeholders, including Chime's bank and third-party partners, regulators, and cross-functional leaders, and influence priorities and decisions at Director+ levels.
• Play an active role in mentoring compliance team members, recruiting new talent, and structuring and leading initiatives to build a positive and inclusive compliance team culture.

To thrive in this role, you have

• 7+ years of experience in consumer compliance within financial services, fintech, or banking environments, or equivalent experience across multiple consumer compliance disciplines, including product compliance advisory, compliance management system governance, or regulatory risk management.
• Demonstrated in-depth regulatory knowledge across three or more areas with major impact to new product development and deep understanding of three or more consumer financial product lines or business segments (e.g., payments, credit, deposits, lending, B2B financial services).
• 4+ years of experience independently advising on design controls and explaining compliance requirements for new products, new features, and new marketing during the development phase, with little to no oversight.
• Expert skill in developing standards to review and approve product collateral, disclosures, and marketing materials, including working with legal counsel to navigate nuanced and complex regulatory issues for B2B and B2C products.
• Track record of leading cross-functional compliance efforts and influencing priorities and decisions at the Director and senior executive level; recognized internally and by cross-functional teams as a broad compliance subject matter expert.
• Demonstrated knowledge of key regulations including but not limited to: UDAAP, TILA (Reg Z), ECOA (Reg B), FCRA, Electronic Funds Transfers (Reg E), Truth in Savings Act (Reg DD), Bank Secrecy Act, and applicable state money transmission laws and regulations.
• Experience independently leading solutioning and end-to-end remediation efforts for compliance issues and findings in collaboration with business, risk, and operational teams.
• Strong strategic thinking skills; able to apply relevant law and organizational policy to identify, communicate, and resolve compliance risks or issues at a company level, with a view toward overall company strategy.
• Experience owning the implementation, maintenance, and execution of compliance program components - including policies, procedures, controls, and training - and identifying synergies across partner teams to drive risk mitigation and efficiency.
• Excellent analytical, written, and verbal communication skills, including the ability to convey complex regulatory information and persuade diverse senior stakeholders and executive audiences.
• Certified Regulatory Compliance Manager (CRCM), JD, or equivalent designation preferred.
• A commitment to Chime's mission of delivering financial peace of mind to all members, and a desire to find creative compliance solutions that enable the best product experience for Chime's enterprise and consumer customers.

#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. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: benefits@chime.com.
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.