Product Manager, Trust & Safety

Chime Financial, Inc•San Francisco, CA

10h•Onsite

About The Position

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. 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.

Requirements

4–10+ 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

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
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

Benefits

Bonus
Competitive equity package
Backup child, elder, and/or pet care
Subsidized commuter benefit
401k match
Medical, dental, vision, life, and disability benefits
Generous vacation policy
Company-wide Chime Days
Company-wide paid days off
1% of your time off to support local community organizations of your choice
Annual wellness stipend
Up to 24 weeks of paid parental leave for birthing parents
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