Product Manager, Transaction Risk Decisioning

Job description

**About the Role** At Chime, we believe in the power of our product to help people lead healthier financial lives. The Trust & Safety team is tasked with keeping our members’ accounts safe, providing them uninterrupted access to their money, and minimizing the company’s risk exposure and fraud loss. **We are looking for a Product Manager to lead product strategy and execution for Transaction Risk Decisioning at Chime**. This team builds the decisioning systems and product experiences that help Chime evaluate transaction risk in real time across card payments, peer-to-peer payments, bank transfers, and other money movement surfaces. The team partners closely with engineering, analytics, risk strategy, operations, and platform teams to reduce fraud, improve approval rates, and make risk outcomes clearer and more recoverable for members. For our members, this space is deeply personal. A risk decision can determine whether a card transaction goes through, whether money movement succeeds, whether a suspicious action is stopped in time, and whether a member feels protected or unfairly blocked. The best products in this area make safety visible without making everyday banking harder. They keep friction targeted to risky behavior, not normal behavior, and turn declines or interventions into understandable, recoverable experiences. **What this team owns** This is a high-leverage role at the intersection of risk, growth, trust, and product quality. The team owns outbound transaction risk across card authorization, ACH, peer-to-peer, outbound transfers, and related surfaces — protecting a large share of Chime's revenue while minimizing fraud and disputes and enabling healthy growth. **In this role, you can expect to** - Drive strategy to reduce transaction declines and increase purchase volume authorization rates — directly impacting members' experience with Chime, and helping Chime's revenue and purchase volume growth - Launch new controls for an emerging fraud pattern across a money movement rail - Redesign a risky decline flow so more good members recover successfully while bad actors are still contained, - Work cross functionally with analysts, data science, Compliance, Legal and engineers to improve the quality of risk signals flowing into a decision checkpoint, - Partner with member support teams to make a confusing risk outcome understandable and actionable for members, - Help launch new financial products safely by designing the right safeguards, fallbacks, and monitoring. **To thrive in this role, you have** - 5+ years of experience as a Product Manager - **Deep expertise in payments risk** — you understand how card networks operate, including Visa and Mastercard transaction rules, authorization reason codes, dispute and chargeback frameworks, and decline return codes (e.g., Do Not Honor, Insufficient Funds, Card Activity Limit). You can hold a substantive conversation with a risk strategist, a network partner, or an issuer processor about why a transaction declined and what can be done about it - Proven ability to **think strategically about purchase volume and authorization rates** , you've connected decisioning logic to revenue outcomes and can frame risk tradeoffs in terms of business impact, not just fraud loss - A track record of bringing **thought leadership** to hard, ambiguous problems - you don't just execute on a roadmap, you shape it. You can articulate a compelling vision for how the transaction experience should work and build alignment across engineering, risk, compliance, and leadership - A strong product mindset and the ability to translate complex risk and platform challenges into clear strategy and execution - Experience operating in systems with significant policy, operational, and data dependencies - The ability to engage fluently across member journeys, policy behavior, experiment design, and platform capabilities - Strong customer empathy and a track record of turning user insights into product decisions — with a particular sensitivity to how declines and friction moments affect member trust and retention - Strong analytical skills and experience applying machine learning and AI methodologies - Deep curiosity and a strong sense of ownership - Experience working in a fast-growing, cross-functional environment - A passion for helping members lead healthy financial lives The base salary for this role depends on the position location: - **San Francisco, CA:** The base salary range is **$183,000 to $205,000**. - **Chicago, IL:** The base salary range is **$165,000 to $185,000**. #LI-WS1 ## **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. - 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees. - ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life. - 🏝 Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents - 👪 Access to family planning reimbursement - 💚 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: [accommodations@chime.com](mailto:accommodations@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.](https://www.chime.com/careers/chime-applicant-privacy-notice/)