Product Manager, Trust & Safety

Chime; Chicago (IL); Hybrid; USD 150,000 - 176,000; Full time

Benefits offered by this job

Generous vacation policy

401k match

Annual wellness stipend

Paid parental leave

In-person and virtual events

Job summary

Chime, located in Chicago, IL, is hiring Product Managers for its Trust & Safety team. These roles focus on various areas such as Enrollment & KYC and Disputes, crucial for member trust and safety. Candidates must have a strong background in Product Management, with at least 8 years of experience. The company offers a competitive salary, including a range between $150,000 and $176,000 based on location, skills, and experience.

Employees enjoy comprehensive benefits, including generous vacation time, a wellness stipend, and a supportive work environment that fosters diversity and inclusivity.

Qualifications

• Proven ability to navigate complex product problems involving risk and operations.
• Experience in fast-paced, high-stakes environments.
• Strong strategic mindset to translate vision into execution.

Responsibilities

• Define product strategy and roadmap for Trust & Safety.
• Drive execution in environments focused on reliability and compliance.
• Collaborate with cross-functional teams to deliver impactful products.

Skills

Product judgment

Analytical skills

Customer empathy

Influencing stakeholders

Education

8+ years of experience in Product Management

Job description

About Trust & Safety Roles

At Chime, we believe in the power of our product to help people lead healthier financial lives. The Trust & Safety team spans the full member lifecycle and is responsible for keeping our members’ accounts safe, ensuring uninterrupted access to their money, and minimizing risk and fraud loss across the platform.

We’re hiring Product Managers across Trust & Safety to drive critical investments spanning KYC, support experiences and automation, and disputes. These roles sit at the intersection of customer experience, risk management, operations, and compliance—owning high-impact problem spaces where the tradeoffs are real and the stakes are high.

You’ll partner closely with Engineering, Data Science, Design, Operations, Risk, and Compliance to define strategy, ship impactful products, and continuously iterate based on data and insights.

These are high-impact opportunities to shape how Chime balances growth, safety, and member experience at scale.

The base salary for this role depends on the position location:

• San Francisco, CA: The base salary range is $150,000 to $244,000.
• Chicago, IL: The base salary range is $150,000 to $176,000.

Full-time employees are also eligible for a bonus, a competitive equity package, and comprehensive benefits. The actual base salary offered will depend on factors such as location, skills, qualifications, and experience.

The Enrollment & KYC Product Manager and Disputes Product Manager roles are available in either San Francisco, CA or Chicago, IL, and candidates may be based in either location.

The AI Agent Product Manager role, however, is based exclusively in San Francisco, CA. Candidates for this position must be located in or willing to relocate to the San Francisco Bay Area.

Open Roles

Trust & Safety at Chime spans multiple product domains. Individual roles focus on one of these areas, contributing to a shared mission of protecting members and enabling safe, scalable growth:

• Enrollment & KYC: Build onboarding and identity verification systems that enable fast, low-friction access for legitimate members while preventing fraud such as synthetic identity attacks.
• Member Support Experience - Human Agents: Define the tools, workflows, and systems that empower agents to resolve complex member issues with speed, accuracy, and empathy at scale.
• Member Support Experience - Automation and AI Agents: Develop platforms and automation systems—including AI-driven capabilities—that scale support and back office operations and improve both efficiency and member experience.
• Disputes: Transform member experiences and design intelligent systems that help members navigate and resolve transaction disputes, balancing member trust, fraud risk, loss exposure, and operational efficiency.

Across these areas, you’ll work on problems that directly impact member trust, financial access, and the long-term integrity of the platform.

In these roles, you can expect to

• Define and drive product strategy and roadmap within Trust & Safety, balancing customer experience, risk mitigation, and operational efficiency.
• Own ambiguous, high-impact problem spaces and make thoughtful tradeoffs across technology, operations, compliance, and business goals.
• Make high-stakes tradeoffs where decisions directly impact fraud loss, member trust, and regulatory compliance.
• Partner deeply with cross-functional teams—including Engineering, Data Science, Design, Operations, Risk, and Compliance—to deliver scalable, reliable systems.
• Build and evolve systems that leverage data, experimentation, and (where applicable) machine learning and AI to improve outcomes.
• Define clear metrics and success frameworks, using data to drive continuous improvement across member experience, risk outcomes, and operational performance.
• Influence cross-functional strategy and align stakeholders across diverse priorities and constraints.
• Drive execution in mission-critical environments where reliability, security, and compliance are non-negotiable.
• Contribute to the evolution of Trust & Safety and Operations at Chime by identifying new opportunities, shaping long-term strategy, and raising the bar for product thinking.

To thrive in these roles, you have

• 8+ years of experience as a Product Manager (leveling will vary based on experience and scope).
• Experience working on complex product problems involving risk, operations, platforms, or customer‑facing systems.
• Strong product judgment and the ability to navigate ambiguity and make principled tradeoffs.
• A strategic mindset paired with the ability to translate vision into practical execution.
• Proven ability to influence and align cross‑functional stakeholders across technical and non‑technical teams.
• Strong analytical skills, with experience using data to inform decisions and measure impact.
• Customer empathy, with the ability to deeply understand user needs and translate them into product solutions.
• Comfort operating in fast-moving, high-stakes environments with evolving constraints.
• Passion for Chime’s mission of helping members lead healthier financial lives.

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.
• In‑office perks including backup child, elder, and/or pet care, plus a subsidized 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 organizations of your choice.
• Annual wellness stipend to use toward 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.
• 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.