Business Control Manager

Chime; San Francisco (CA); On-site; USD 101,000 - 140,000; Full time

Benefits offered by this job

Hybrid work policy

Wellness stipend

Parental leave

Job summary

Chime is seeking a Business Control Manager to join the Compliance Business Control Management team, focusing on control delivery for Growth Marketing and Chime Enterprise. You will partner with owners to translate risk outcomes into practical controls that balance risk mitigation with business needs.

You will help illuminate Chime’s enterprise control environment by identifying, validating, and documenting controls across the business and contribute to broader BCM efforts based on priorities

Qualifications

• 4+ years of experience in business controls, regulatory compliance, operational risk, audit, or related discipline within financial services or regulated environments.
• Hands-on experience taking a control or process improvement from defined problem or requirement through implementation, evidence review and closure.
• Strong analytical skills to assess processes, incidents, and control records for gaps and risk mitigation.
• Strong execution and project-management skills, managing multiple workstreams, dependencies, decisions, and stakeholders.

Responsibilities

• Partner with Growth Marketing and Chime Enterprise to translate risk and control outcomes into practical implementation plans.
• Identify relevant controls, practices, gaps, dependencies, and implementation considerations for requirements, projects, and incidents.
• Drive control workstreams through implementation, validation, documentation and closure with milestones and evidence.
• Evaluate the current control environment to identify existing controls and coverage gaps.
• Assess coverage and advise on reuse, enhancement, creation, consolidation or retirement of controls.
• Coordinate attestation processes and maintain complete control records.
• Track gaps, remediation commitments, and dependencies through to closure.

Skills

Risk translation

Controls development

Regulatory compliance

Project management

Stakeholder collaboration

Regulatory frameworks

Job description

About The Role

We are hiring a Business Control Manager to join Chime’s Compliance Business Control Management team, with a primary focus on control delivery for Growth Marketing and Chime Enterprise. You will partner with business and control owners to translate agreed risk outcomes into practical controls that provide the right level of risk mitigation while working effectively for the business. You will also help bring Chime’s broader enterprise control environment to light by identifying, validating, and documenting controls that are already operating across the business. Along the way, you’ll have opportunities to contribute to larger Compliance BCM and business efforts based on priorities and capacity.

About The Role

We are hiring a Business Control Manager to join Chime’s Compliance Business Control Management team, with a primary focus on control delivery for Growth Marketing and Chime Enterprise. You will partner with business and control owners to translate agreed risk outcomes into practical controls that provide the right level of risk mitigation while working effectively for the business. You will also help bring Chime’s broader enterprise control environment to light by identifying, validating, and documenting controls that are already operating across the business. Along the way, you’ll have opportunities to contribute to larger Compliance BCM and business efforts based on priorities and capacity.

In this role, you can expect to

• Partner with Growth Marketing and Chime Enterprise business and control owners to translate agreed risk and control outcomes into practical implementation plans, while supporting additional Compliance BCM portfolios based on priorities and capacity.
• Contribute to reviews of business requirements, projects, process or product changes, incidents, complaints, and regulatory developments by identifying relevant controls, operating practices, gaps, dependencies, and implementation considerations.
• Drive assigned control workstreams through implementation, validation, documentation, and closure, coordinating milestones, dependencies, evidence, and routine decisions with business and control owners.
• Evaluate Chime’s existing control environment by reviewing business activities, procedures, system capabilities, evidence, and current control records to identify controls already operating and potential coverage gaps.
• Assess whether existing controls provide appropriate coverage and recommend whether controls should be reused, enhanced, created, consolidated, or retired.
• Evaluate implementation readiness, coordinate control owner attestations, validate assigned controls against team standards, and maintain complete and current control records.
• Track gaps, exceptions, remediation commitments, and dependencies through closure, escalating material design, ownership, exposure, or delivery concerns and supporting remediation arising from incidents, testing, audits, or other findings.

To thrive in this role, you have

• 4 or more years of experience in business controls, regulatory compliance, operational risk, audit, operations, or a related discipline within financial services, fintech, or another highly regulated environment.
• Hands-on experience taking a control or process improvement from a defined problem or requirement through implementation, evidence review, documentation, and closure.
• Strong analytical skills and experience evaluating business processes, requirements, incidents, and control records to understand what is operating, identify gaps, and determine where clarification or additional risk mitigation is needed.
• Strong execution and project-management skills, including managing multiple workstreams, dependencies, decisions, and stakeholders while adapting to changing complexity, urgency, and team priorities.
• Strong communication and influencing skills, with the ability to partner effectively with technical and non-technical stakeholders, challenge incomplete evidence or unclear ownership, and elevate material concerns with sound judgment.
• Experience working in consumer financial services or another regulated environment, with working knowledge of regulatory and consumer protection risk frameworks such as EFTA and Regulation E, TILA and Regulation Z, UDAAP, or comparable requirements.

Below is the base salary offered for this role and level of experience. Full-time employees may also be eligible for bonus(es), competitive equity, and benefits. For commissioned roles, the base salary listed in this job description does not include incentive/variable pay. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.

Wage Notice

$101,000—$140,000 USD

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 designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.
• Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
• Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
• Generous vacation policy and company-wide paid days off
• 1% of your time off to support local community organizations of your choice
• Annual wellness stipend to use towards eligible wellness related expenses
• Up to 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
• Access to family planning reimbursement
• A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress

We know that great work can't be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. 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. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: [e-mail].

To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.