Product Manager, Trust and Safety

Job description

# **About Trust & Safety Roles** At Chime, we believe in the power of our product to help people lead healthier financial lives. The Trust & Safety team spans the full member lifecycle and is responsible for keeping our members' accounts safe, ensuring uninterrupted access to their money, and minimizing risk and fraud loss across the platform. We're hiring Product Managers across Trust & Safety to drive critical investments spanning transaction risk decisioning and member identity and account lifecycle. These roles sit at the intersection of customer experience, risk management, operations, and compliance—owning high-impact problem spaces where the tradeoffs are real and the stakes are high. You'll partner closely with Engineering, Data Science, Design, Operations, Risk, and Compliance to define strategy, ship impactful products, and continuously iterate based on data and insights. These are high-impact opportunities to shape how Chime balances growth, safety, and member experience at scale. Roles are available in either San Francisco, CA or Chicago, IL, and candidates may be based in either location. ## **Open Roles** Trust & Safety at Chime spans multiple product domains. Individual roles focus on one of these areas, contributing to a shared mission of protecting members and enabling safe, scalable growth: - **Transaction Risk Decisioning:** Build the systems that evaluate transaction risk in real time across card payments, peer-to-peer payments, and bank transfers—raising authorization rates, containing emerging fraud patterns, and turning declines into recoverable experiences. Requires deep expertise in payments risk, including card network rules, authorization and decline codes, and dispute frameworks. - **Member Identity & Lifecycle:** This team owns the core identity and account lifecycle capabilities that determine how Chime responds when a member is suspended, closed, re-enabled, or otherwise restricted. The team also serves as a critical partner to product teams introducing new account types or lifecycle behaviors, helping them integrate safely with shared Chime patterns instead of creating one-off flows. Requires experience with identity or account lifecycle systems and cross-product orchestration. - **Back-Office Agentic Automation:** Rebuild Chime’s back-office investigations ecosystem from the ground up, with AI agents at the center. You’ll shape agentic workflows in a highly regulated, high-stakes environment operating at massive scale—defining what agents own, where human judgment is essential, and how both improve together. Your work will help Chime deliver better member experiences, more precise decisions, and lower fraud losses and operating costs. Across these areas, you'll work on problems that directly impact member trust, financial access, and the long-term integrity of the platform. ## **In these roles, you can expect to** - 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—including Engineering, Data Science, Design, Operations, Risk, and Compliance—to deliver scalable, reliable systems - Build and evolve systems that leverage data, experimentation, and (where applicable) machine learning and AI to improve outcomes - Define clear metrics and success frameworks, using data to drive continuous improvement across member experience, risk outcomes, and operational performance - Redesign moments of friction—declines, restrictions, and closures—so they are understandable, targeted, and recoverable for legitimate members while bad actors remain contained - 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, shaping long-term strategy, and raising the bar for product thinking ## **To thrive in these roles, you have** - 6+ years of experience as a Product Manager (leveling will vary based on experience and scope) - Depth in at least one of the domains above—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 the ability to navigate ambiguity and make principled tradeoffs - A strategic mindset paired with the 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 the 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 #LI-WS1 #LI-Onsite Below is the base salary offered for this role and level of experience. Full-time employees may also be eligible for bonus(es), competitive equity, and benefits. For commissioned roles, the base salary listed in this job description does not include incentive/variable pay. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience. Wage Notice $142,000—$244,000 USD ## **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/)