Senior Associate of Compliance Advisory

Chime; San Francisco (CA); On-site; USD 120,000 - 165,000; Full time

Benefits offered by this job

Medical, dental, vision insurance

Mental health support (Modern Health)

Savings plan with company matching

Travel stipends and CRGs

Job summary

Chime is seeking a Sr. Associate, Compliance Advisory in San Francisco to partner with Complaints, Product, Operations and other teams to provide compliance guidance as a second line of defense.

You will support consumer complaint oversight, regulatory exams, and remediation, translating complex rules into practical guidance and driving process improvements while maintaining independent oversight. This role emphasizes regulatory knowledge, cross-functional collaboration, and data-driven

Qualifications

• 5+ years of compliance experience in fintech, banking, or financial services, including meaningful work supporting consumer financial products and a track record of operating with a high degree of independence.
• Ability to interpret complex regulations and translate them into practical guidance for products, processes, and member experiences.
• Experience supporting regulatory exams, bank partner reviews, or internal audits.

Responsibilities

• Partner with Complaints, Product, Operations and other teams to provide compliance guidance as a second line of defense.
• Support consumer complaint oversight, product operations advisory, agent readiness, and member-facing communications.
• Review complaint-handling processes, controls, and documentation; identify gaps and remediation.
• Advise on regulatory expectations and industry best practices for complaint-management requirements.
• Translate complex compliance requirements into clear, practical guidance for business partners.

Skills

Compliance advisory

Regulatory knowledge

Data analysis

AI tooling

Cross-functional collaboration

Executive communication

Problem solving

Job description

• The Sr. Associate, Compliance Advisory partners with Complaints, Product, Operations, and other business teams to provide compliance guidance as a second line of defense
• The role supports consumer complaint oversight, new and existing product operations advisory, agent readiness, member- and agent-facing communications, and process improvement while identifying consumer and regulatory risks and helping drive issues through remediation and implementation
• Advise the first line of defense on complaint-management requirements, regulatory expectations, and industry best practices
• Review complaint-handling processes, procedures, controls, and documentation; identify gaps and recommend remediation, maintaining ownership of the issue lifecycle from informing the business of identified gaps and recommendations through completed remediation and implementation
• Recommend and implement process improvements that balance regulatory requirements with innovative, member-friendly solutions
• Demonstrate knowledge of and apply consumer financial regulations- including Regulations Z, E, and DD, UDAAP, NACHA, VISA Operating Standards, and applicable state requirements- through compliance advisory work and day-to-day responsibilities
• Support operational teams in investigating and resolving consumer complaints while analyzing trends and potential member impact
• Perform oversight and monitoring to promote timely, accurate, and appropriate complaint resolution
• Develop and refine complaint procedures, guidance, training materials, and educational resources
• Assist with responses to sensitive and regulatory complaints and inquiries
• Ensure complaint-related work, processes, procedures, and guidance align with all applicable requirements of the Complaints Policy
• Support regulatory, bank partner, and internal audit readiness by collecting, organizing, and validating requested documentation and helping ensure complaint processes and records are complete and current
• Review complaint dashboards and complaint trends to identify emerging risks, recurring issues, and opportunities for improvement
• Present compliance findings, complaint trends, risk assessments, recommendations, training, and process updates to business partners and relevant business stakeholders when needed
• Prepare executive-level reports and presentations on compliance findings data, trends, risks, and recommendations
• Provide compliance advisory support for operations supporting new products and changes to existing products, including identifying compliance considerations and helping teams address related risks and requirements
• Translate complex compliance requirements and data-driven insights into clear, practical, and actionable guidance for business partners and member-facing teams
• Support agent readiness for new products and changes to existing products by partnering on agent-facing communications, member-facing communications, help center articles, training, and other agent-ready content
• Partner with Compliance, Legal, Quality Control, Quality Assurance, bank partners, and business teams to mitigate compliance risk
• Demonstrate strong proficiency in AI tooling and proactively identify responsible AI-enabled tools and workflows that help the Compliance Advisory team work more efficiently and effectively
• Use AI tooling to accelerate data analysis, complaint-trend identification, monitoring, oversight, research, documentation, reporting, and preparation of business-partner guidance while maintaining appropriate human review and compliance with confidentiality requirements
• Leverage AI-enabled insights to help business partners make faster, better-informed decisions and improve outcomes for members
• Support quality assurance and quality control business partners as a second line of defense by helping ensure the program is regulatory sound, appropriately designed, and operating effectively for its intended purpose
• Serve as a knowledgeable Compliance presence in meetings with bank partners and business partners by contributing to discussions, answering questions, and identifying compliance considerations
• Consumer complaints and complaint-program management and oversight
• Regulatory knowledge, including the ability to interpret applicable regulations and translate them into practical, risk-based guidance for products, processes, and member experiences
• Risk identification, escalation, and remediation
• Executive and business-partner communication and presentation skills
• Data analysis, automation, and practical application of AI tools
• Cross-functional collaboration and stakeholder management
• Process documentation, monitoring, training, and continuous improvement
• Independent execution and resourcefulness, including taking end-to-end ownership

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

A bias toward independent execution and resourcefulness, including taking end-to-end ownership from problem to solutionComfort working in a fast pace environment that doesn’t slow downExperience supporting regulatory exams, bank partner reviews, or internal auditsDirect, hands-on experience with deposit accounts and credit productsHands-on experience with consumer complaints and complaint-program management and oversightA sharp instinct for risk identification, escalation, and remediation - and the persistence to see issues through to closureExperience with process documentation, monitoring, training, and continuous improvementComfort with data analysis and automation, and practical experience applying AI tools to real workExecutive and business-partner communication and presentation skills5+ years of compliance experience in fintech, banking, or financial services, including meaningful work supporting consumer financial products and a track record of operating with a high degree of independenceA collaborative approach to cross-functional work and stakeholder managementStrong regulatory knowledge, with the ability to interpret applicable regulations and translate them into practical, risk-based guidance for products, processes, and member experiences