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Lead, Product Compliance
Lead, Product ComplianceChime • San Francisco, CA, US
Lead, Product Compliance

Lead, Product Compliance

Chime • San Francisco, CA, US
30+ days ago
Job type
  • Full-time
Job description

Lead, Product Compliance

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 teamproactively 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.
  • 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.
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