Senior Associate, Product Compliance

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.

Demonstrate Expertise

• 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

• 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

• Monitor emerging regulatory developments and assess potential impacts to Chime products, controls, and member experiences.

Support Compliance Management System Activities

• Establish and maintain strong relationships with internal stakeholders, external partners, and issuing bank compliance teams.

Qualifications

• 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.
• Prioritize collaboration and influence internal stakeholders and external partners to achieve alignment on regulatory risk issues and mitigation strategies.

Skills

• Expertise in consumer laws and regulations related to consumer financial products.
• 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.
• Ability to operate autonomously, solve complex problems, and develop practical solutions with minimal oversight.
• Prioritize collaboration and influence internal stakeholders and external partners to achieve alignment on regulatory risk issues and mitigation strategies.

Benefits

In this role, you can expect to:

• Work remotely four days a week and in the office one day a week, with Fridays from home for those near one of our offices, plus team and company-wide events depending on location.
• Enjoy in-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute.
• Receive a competitive salary based on experience.
• Participate in a 401k match and enjoy great medical, dental, vision, life, and disability benefits.
• Take advantage of generous vacation policy and company-wide Chime Days, bonus company-wide paid days off.
• Access an annual wellness stipend to use towards eligible wellness related expenses.
• Enjoy up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents.
• Benefit from access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.
• Participate in 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!
• Enjoy a challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress.

What We Offer

Chime is committed to creating a diverse and inclusive workplace where everyone feels valued and respected. 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.