Processor Implementation Manager

Chime; San Francisco (CA); On-site; USD 130,000 - 180,000; Full time

Benefits offered by this job

401k match

Generous vacation policy

Annual wellness stipend

Job summary

Chime is seeking a Processor Implementation Manager in San Francisco. This individual contributor role focuses on implementing and validating payment processes, and enhancing operational readiness.

You will leverage advanced SQL skills to investigate transaction anomalies and partner closely with internal teams such as Engineering, Accounting, and Finance. The position offers a competitive salary and excellent benefits.

Qualifications

• 6+ years in bank and/or payment operations.
• Experience in driving continuous improvement projects.
• Excellent business acumen and communication skills.

Responsibilities

• Support complex processor implementations and migrations.
• Write SQL queries to investigate transaction anomalies.
• Collaborate with bank partners on transaction investigations.

Skills

Expert-level SQL skills

Strong reconciliation knowledge

Understanding of ACH originations

Cross-functional collaboration

Problem-solving ability

Tools

Snowflake

Job description

About the Role

The Processor Implementation Manager is an individual contributor role within ChimeCore’s Processor Operations function, focused on ensuring the reliable implementation, validation, and operational readiness of payment processors, funds flow, and platform changes across our internal processing system. The role is built for someone who leads with data—using advanced SQL and analytics to drive decisions, resolve ambiguity, and surface system behavior that others miss. You’ll partner closely internally with Engineering, Accounting, Finance, and Bank Partnerships, and externally with our bank partners, serving as the analytical backbone of complex payment investigations and implementations.

The base salary offered for this role and level of experience will begin at $130,000.00 and up to $180,000.00. Full‑time employees are also eligible for a bonus, competitive equity package, and benefits.

In this role you can expect to

• Support complex processor implementations, migrations, and platform changes, ensuring operational readiness and clean handoff to steady‑state owners—with data validation at every stage.
• Write sophisticated SQL queries to investigate transaction anomalies, support reconciliation research, and surface root causes across large, multi‑rail datasets in Snowflake.
• Serve as a subject matter expert on ChimeCore payment flows, transaction lifecycles, and data models—and translate that expertise into clear, queryable logic others can rely on.
• Collaborate with bank partners and engineering on funds flow, reporting, and transaction investigations—bringing structured analysis and proposed resolutions, not just problem statements.
• Support Accounting, Audit, Risk, and Finance by interpreting platform behavior and transaction data to aid investigations and reporting.
• Participate in incident response and escalations by driving investigation, proposing hypotheses, and supporting remediation, with accountability shared across owning teams.
• Define expected versus anomalous processor behavior and contribute to the design of monitors and alerts in partnership with Engineering and Processor Operations.
• Perform advanced data analysis and SQL‑based investigations to support reconciliation research root‑cause analysis and be able to articulate the finding to a broader audience.
• Support Accounting, Audit, Risk, and Finance with platform behavior interpretation and transaction‑level data—translating SQL output into business‑ready findings.
• Act as a trusted analytical advisor to Implementation and Reconciliation Managers, providing implementation context grounded in data.

To thrive in this role

• 6+ years in bank and/or payment operations with a broad understanding of operations; including accounting, funds flow, settlement, processing, etc.
• Expert‑level SQL skills—you write complex, optimized queries from scratch and are comfortable independently investigating large transactional datasets. Experience in Snowflake strongly preferred.
• Strong reconciliation knowledge and background.
• An understanding of the end‑to‑end payments ecosystem, including payment methods, card networks, issuer processing, and the regulatory environment.
• An 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.
• 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 member‑obsessed mindset, eager to learn and improve the user experience.
• 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.

Benefits

• 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.
• In‑office perks including backup child, elder, and/or pet care, plus a subsidised commuter benefit to support your regular commute.
• Competitive salary based on experience.
• 401k match plus great medical, dental, vision, life, and disability benefits.
• Generous vacation policy and company‑wide Chime Days, bonus company‑wide paid days off.
• 1% of your time off to support local community organisations of your choice.
• Annual wellness stipend to use towards eligible wellness related expenses.
• Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non‑birthing parents.
• Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.
• In‑person and virtual events to connect with your fellow Chimers—think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!
• 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.