Chime Enterprise Compliance Lead, Chime
$134-175k
Offers bonus and equity
Fridays from home
4 days a week in office
Mobile banking for the everyday person
Open for applications
Mobile banking for the everyday person
1001+ employees
Open for applications
$134-175k
Offers bonus and equity
Fridays from home
4 days a week in office
1001+ employees
Company mission
To make financial peace of mind a reality for millions of everyday people.
Role
Who you are
- 7+ years of experience in consumer compliance within financial services, fintech, or banking environments, or equivalent experience across multiple consumer compliance disciplines, including product compliance advisory, compliance management system governance, or regulatory risk management
- Demonstrated in-depth regulatory knowledge across three or more areas with major impact to new product development and deep understanding of three or more consumer financial product lines or business segments (e.g., payments, credit, deposits, lending, B2B financial services)
- 4+ years of experience independently advising on design controls and explaining compliance requirements for new products, new features, and new marketing during the development phase, with little to no oversight
- Expert skill in developing standards to review and approve product collateral, disclosures, and marketing materials, including working with legal counsel to navigate nuanced and complex regulatory issues for B2B and B2C products
- Track record of leading cross-functional compliance efforts and influencing priorities and decisions at the Director and senior executive level; recognized internally and by cross-functional teams as a broad compliance subject matter expert
- Demonstrated knowledge of key regulations including but not limited to: UDAAP, TILA (Reg Z), ECOA (Reg B), FCRA, Electronic Funds Transfers (Reg E), Truth in Savings Act (Reg DD), Bank Secrecy Act, and applicable state money transmission laws and regulations
- Experience independently leading solutioning and end-to-end remediation efforts for compliance issues and findings in collaboration with business, risk, and operational teams
- Strong strategic thinking skills; able to apply relevant law and organizational policy to identify, communicate, and resolve compliance risks or issues at a company level, with a view toward overall company strategy
- Experience owning the implementation, maintenance, and execution of compliance program components — including policies, procedures, controls, and training — and identifying synergies across partner teams to drive risk mitigation and efficiency
- Excellent analytical, written, and verbal communication skills, including the ability to convey complex regulatory information and persuade diverse senior stakeholders and executive audiences
- Certified Regulatory Compliance Manager (CRCM), JD, or equivalent designation preferred
- A commitment to Chime’s mission of delivering financial peace of mind to all members, and a desire to find creative compliance solutions that enable the best product experience for Chime’s enterprise and consumer customers
What the job involves
- We are hiring a Lead, Chime Enterprise Compliance to join our Product Compliance team in support of Chime's business-to-business and business-to-consumer product lines and services
- As a Lead, you will serve as a primary compliance subject matter expert and trusted advisor across Chime's enterprise-facing products, working closely with product, engineering, legal, risk, and operations teams to ensure that new and existing products are developed and launched in compliance with applicable consumer financial laws and regulations
- In this lead individual contributor role, you will apply deep regulatory expertise across multiple consumer compliance disciplines to advise on product design, marketing, and feature development, lead cross-functional compliance initiatives, and proactively identify and mitigate regulatory risk across Chime’s B2B and B2C product suite
- You will be a go-to compliance resource recognized at the senior executive level and will help set the standard for how compliance integrates with Chime’s product development lifecycle
- Serve as a lead subject matter expert and primary compliance advisor for Chime’s B2B and B2C product lines, including advising product, engineering, legal, and operations teams on compliance requirements for new products, features, and marketing with little to no oversight
- Demonstrate comprehensive advisory expertise in consumer financial laws and regulations applicable to Chime’s enterprise and consumer-facing products, including but not limited to: Unfair, Deceptive or Abusive Acts or Practices (UDAAP), Electronic Funds Transfer Act (Regulation E), Truth in Lending Act (Regulation Z), Equal Credit Opportunity Act (ECOA/Regulation B), Fair Credit Reporting Act (FCRA), Truth in Savings Act (Regulation DD), Bank Secrecy Act, and applicable state money transmission laws and regulations
- Lead significant cross-functional compliance efforts with no oversight, serving as the “go-to” resource for compliance guidance across three or more regulatory areas and three or more business lines within the Chime Enterprise product portfolio
- Own the review and approval of product collateral, user flows, disclosures, and marketing materials, developing and leading standards for review frameworks and working with legal counsel to resolve nuanced and complex compliance issues for Chime’s enterprise and consumer products
- Drive compliance readiness for product launches by independently identifying regulatory risks and developing creative, scalable mitigation solutions, including liaising with Chime’s issuing bank partners’ compliance and legal teams to secure timely approvals
- Lead solutioning efforts with business, risk, and operational teams for compliance issues and findings, overseeing end-to-end remediation and ensuring sustainable risk mitigation outcomes across B2B and B2C product areas
- Use expert knowledge to drive the implementation, maintenance, and execution of key compliance program components — including policies, procedures, training, testing, and controls — advocating for collaboration with partner teams at Director+ levels in support of corporate strategic priorities
- Proactively identify compliance risks and process improvement opportunities across the enterprise and consumer product portfolio, applying strategic thinking to independently make decisions with moderate to significant impact on the team and Chime
- Serve as a sought-out thought partner by business, risk, and operational teams for compliance process enhancements and issue remediation, consistently viewed in the context of overall company strategy
- Create and lead formal cross-functional networks to advance compliance objectives; communicate and persuade diverse senior and executive stakeholders on complex regulatory matters
- Build and maintain strong relationships with internal and external stakeholders, including Chime’s bank and third-party partners, regulators, and cross-functional leaders, and influence priorities and decisions at Director+ levels
- Play an active role in mentoring compliance team members, recruiting new talent, and structuring and leading initiatives to build a positive and inclusive compliance team culture
Our take
Chime is part of the growing realm of fintech banks and providers, emphasising straightforward, cost-effective banking solutions. It cuts the expenses tied to basic bank accounts and provides users with greater autonomy in managing their finances.
In contrast to many traditional banks that levy steep fees and hefty penalties for overdrafts while offering meagre interest rates on savings, Chime addresses a crucial gap in the banking sector. Its primary focus is on catering to individuals with modest savings who seek the convenience of automated digital banking.
With a remarkable ascent in its trajectory, Chime's current valuation stands at $11.6B since its 2025 IPO. However, competition remains fierce, with other neobanks like Ally offering similar features and vying for the same customer base. That being said, Chime's IPO, rare in a financially uncertain period, proves that it has shifted from challenger to major player.
Freddie
Company Specialist at Welcome to the Jungle
Insights
0% employee growth in 12 months
Company
Funding (last 2 of 9 rounds)
Aug 2021
$750m
SERIES G
Sep 2020
$485m
SERIES F
Total funding: $2.0bn
Company benefits
- Physical: We believe in taking care of your physical health, so as a Chimer you’ll get medical, dental, and vision insurance, as well as benefits to support your physical activity, family planning, and all of your little Chimers
- Emotional: We know that staying healthy involves a lot more than doctor’s checkups. We partner with Modern Health to help you navigate your mental health, give monthly Take Care of Yourself Days, and want you to take time off when you need it
- Financial: We want Chimers to save and feel financially supported, so we offer savings plans with competitive matching, as well as access to financial planning and legal assistance so that you can find your financial peace of mind
- Social: We’ll celebrate your milestones together with travel stipends, swag, and high-fives and make sure you’re connected to fellow Chimers through our Chime Resource Groups (CRGs) and company events
Company HQ
Nob Hill, San Francisco, CA
Leadership
Chris Britt
(Co-Founder & CEO)Chris worked as an Accenture Management Consultant for 4 years before roles at CMGI, Comscore Networks, and Visa. They left their position as an SVP of Corporate Development at Green Dot Corporation to co-found Chime in November 2012.
Ryan King
(Co-Founder)Ryan worked at Plaxo for 8 years, first as Lead Engineer and then working their way up to VP of Engineering & COO. They went on to be CTO & Vice President at Comcast Silicon Valley Innovation Centre before co-founding Chime.
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