Product Manager - Trust and Safety

Chime Financial•Chicago, IL

1d•Hybrid

About The Position

Chime is seeking Product Managers for its Trust & Safety team to drive critical investments in transaction risk decisioning and member identity and account lifecycle. These roles are at the intersection of customer experience, risk management, operations, and compliance, owning high-impact problem spaces. The Product Manager will partner closely with Engineering, Data Science, Design, Operations, Risk, and Compliance to define strategy, ship impactful products, and iterate based on data and insights. These are opportunities to shape how Chime balances growth, safety, and member experience at scale. The base salary range depends on the position location: San Francisco, CA: $183,000 to $205,000. Chicago, IL: $165,000 to $185,000. Full-time employees are also eligible for a bonus, equity, and benefits. The actual base salary will depend on factors such as location, skills, qualifications, and experience. Both roles are available in San Francisco, CA or Chicago, IL. Trust & Safety at Chime spans multiple product domains, with individual roles focusing on one of these areas: Transaction Risk Decisioning: Building systems to evaluate real-time transaction risk across various payment methods, aiming to raise authorization rates, contain fraud, and improve decline experiences. This requires expertise in payments risk, card network rules, and dispute frameworks. Member Identity & Lifecycle: Owning core identity and account lifecycle capabilities, managing how Chime responds to member account status changes (suspensions, closures, re-enabling). This team also partners with other product teams to ensure safe integration with shared Chime patterns. Requires experience with identity or account lifecycle systems and cross-product orchestration. Across these areas, work will directly impact member trust, financial access, and platform integrity.

Requirements

6+ years of experience as a Product Manager (leveling will vary based on experience and scope)
Depth in at least one of the domains: payments and transaction risk, or identity and account lifecycle
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
Experience operating in systems with significant policy, operational, and data dependencies
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—with particular sensitivity to how declines, restrictions, and closures affect member trust and retention
Comfort operating in fast-moving, high-stakes environments with evolving constraints
Passion for Chime's mission of helping members lead healthier financial lives

Responsibilities

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
Redesign moments of friction—declines, restrictions, and closures—so they are understandable, targeted, and recoverable for legitimate members while bad actors remain contained
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