Lead, Product Compliance

About the Role

We’re hiring a Lead, Product Compliance to provide high-impact compliance advisory support for Chime’s products, including SpotMe & MyPay, which are core features that help millions of members manage liquidity and avoid traditional overdraft fees. This role is ideal for a strategic thinker who thrives in ambiguity and enjoys partnering with Product, Engineering, Risk, and Operations to shape experiences that are compliant, scalable, and member-centric.

You will be the primary compliance voice embedded with the product team—proactively identifying risks, interpreting regulation in novel contexts, and enabling the product to scale responsibly and quickly.

The base salary offered for this role and level of experience will begin at $130,050.00 and up to $180,600.00. 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.

What You'll Do

• Serve as the lead compliance advisor for products like SpotMe or MyPay, providing guidance from ideation through implementation for new features, enhancements, and scaling efforts.
  
  
• Partner closely with Product, Engineering, Risk, Operations, and external partners to ensure that member experiences are frictionless yet compliant.
  
  
• Interpret and apply regulations including Reg E, UDAAP, Reg Z (as applicable), and other relevant laws to Chime’s product builds.
  
  
• Develop clear, actionable compliance requirements for product teams, helping to reduce ambiguity and accelerate delivery.
  
  
• Support controls design, documentation, and internal review processes to align with Chime’s CMS and regulatory expectations.
  
  
• Represent Product Compliance in discussions with bank partners, Legal, and Risk functions, advocating for compliant innovation.

What You Bring

• 7+ years of experience in product advisory compliance, ideally in fintech, consumer banking, or payments.
  
  
• Deep working knowledge of Reg E, UDAAP, (Reg Z. for MyPay) overdraft guidance, and other consumer protection rules and regulations.
  
  
• Experience advising on products with real-time transaction behavior, balance management, or credit overlays is a strong plus.
  
  
• Ability to distill complex regulations into practical guidance for product and engineering teams.
  
  
• Proven ability to execute independently in fast-paced, cross-functional environments.
  
  
• Excellent verbal and written communication skills, with the ability to influence without authority.

#LI-BE1 #LI-Hybrid

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 desig