Job Description

Product Manager, Trust & Safety

Chicago, IL, USA; San Francisco, CA, USA

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, KYC, support experiences and automation, and disputes. 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.

The base salary for this role depends on the position location:

• San Francisco, CA: The base salary range is $150,000 to $244,000.
• Chicago, IL: The base salary range is $150,000 to $176,000.

Full-time employees are also eligible for a bonus, a competitive equity package, and comprehensive benefits. The actual base salary offered will depend on factors such as location, skills, qualifications, and experience.

The Enrollment & KYC Product Manager and Disputes Product Manager roles are available in either San Francisco, CA or Chicago, IL, and candidates may be based in either location.

The AI Agent Product Manager role, however, is based exclusively in San Francisco, CA. Candidates for this position must be located in or willing to relocate to the San Francisco Bay Area.

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:

• Enrollment & KYC: Build onboarding and identity verification systems that enable fast, low-friction access for legitimate members while preventing fraud such as synthetic identity attacks.
• Member Support Experience - Human Agents: Define the tools, workflows, and systems that empower agents to resolve complex member issues with speed, accuracy, and empathy at scale
• Member Support Experience - Automation and AI Agents: Develop platforms and automation systems—including AI-driven capabilities—that scale support and back office operations and improve both efficiency and member experience
• Disputes: Transform member experiences and design intelligent systems that help members navigate and resolve transaction disputes, balancing member trust, fraud risk, loss exposure, and operational efficiency

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
• 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

• 8+ years of experience as a Product Manager (leveling will vary based on experience and scope)
• 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
• 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
• Comfort operating in fast-moving, high-stakes environments with evolving constraints
• Passion for Chime's mission of helping members lead healthier financial lives

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

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