Processor Operations Manager

About the role

Chime is looking for a Processor Operations Manager to join the Processor and Platform Operations team to operate our core platform capabilities, including card payment processing systems, ACH and other interbank processing and reconciliation systems. The Processor and Platform team’s mission is to empower the development of a member-obsessed Chime experience by strengthening and expanding our proprietary Financial Platform - an operating system for processing all forms of money movement and developing financial software. You will help drive efficiency to ensure these financial capabilities are able to deliver on their 24x7 promise. This position will report to the Director of Processor and Platform Operations.

The base salary offered for this role and level of experience will begin at $119,000 and up to $165,300 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

• Join a new team of transaction operations managers 
• Contribute to the department’s development and implementation of best practices in the areas of payment systems processing, reconciliation operations, and operational policies & procedures
• Develop and implement reconciliation models for ensuring accurate processing and settlement
• Evaluate processing controls for completeness and accuracy
• Provide operational expertise towards diagnosing, troubleshooting and resolving issues related to Chime’s core banking solutions, payment processing, reconciliation and settlement activities
• Use data to monitor processing performance and identify areas of improvement
• Drive continuous improvement and operational resiliency
• Promote tooling solutions that address internal reporting requirements 
• Collaborate cross-functionally with technical and product leaders on our platform teams to set strategic priorities that reduce operational risk and improve efficiency, productivity, and performance
• Partner with internal and external teams to ensure compliance with regulatory, audit and payment network requirements
• Use your subject matter expertise and experience to help influence how things are done and improve efficiency & efficacy
• Advocate for change and innovation across the enterprise 

To thrive in this role, you have

• 5+ years in bank and/or payment operations with a broad understanding of operations; including accounting, funds flow, settlement, processing, etc. 
• A strong understanding of the end-to-end payments ecosystem, including payment methods, card networks, issuer processing, and the regulatory environment
• A deep understanding of ACH originations, returns, settlements and everything in between, AAP certification is a huge plus
• Familiarity with network operations including Visa, Mastercard, PLUS, and Star, as well as with network vendors that facilitate AFT/OCT payments and other forms of card-based money movement
• Strong analytical and problem solving skills
• Extensive experience with Google Office (Sheets, Docs and Slides), analytics platforms (Looker, Snowflake), SQL, core banking systems and related products.
• Experience working cross functionally with Product, Accounting, Compliance, Legal, Risk & Engineering to identify, evaluate and size opportunities and prioritize work
• Experience driving continuous improvement projects, where you’ve applied deep knowledge to uncover and execute both short term and long term optimizations
• A desire to create new processes and are comfortable with ambiguity
• Ability to thrive in a fast-paced environment
• Strong team player attributes and are an effective collaborator
• A member obsessed mindset, eager to learn and improve the user experience
• The drive to deploy processes and playbooks so that we can all sleep well at night or make suggestions to improve them so we can all sleep even better at night
• A curious and creative problem solving ability - can facilitate resolution of issues in a timely manner by working cross-functionally with product and engineering teams
• Excellent business acumen, communication skills and a self-starting attitude

A little about us

We created Chime because we believe everyone deserves financial peace of mind. By eliminating unnecessary fees and helping people grow their savings automatically, we’ve empowered millions of Americans to take control of their finances. 

Chime is the largest and fastest-growing U.S. player in the challenger-banking space. Through our banking partners, we offer access to bank accounts with fe