Product Manager Trust & Safety

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 offered for this role and level of experience will begin at $150000 and up to $244000. Full-time employees are also eligible for a bonus competitive equity package and benefits. The actual base salary offered may be higher depending on your location skills qualifications and experience.

This role is in-office in San Francisco Monday - Thursday.

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.

• 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

• 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

#LI-TP1

What We Do

Chime was created because we believe everyone can Unlock Financial Progress and we want to develop solutions and services to empower people to succeed. The premise upon which we started Chime is simple: basic banking services should be helpful transparent and easy. Our suite of tools and platforms give our members the ability to have more control over their money and to take action toward achieving their financial ambitions. By designing a member-centric banking app with easy-to-understand financial tools we’re creating a more competitive market with options for everyday Americans. We offer access to accounts with no overdraft fees providing members the chance to receive their pay up to 2 days early* with direct deposit build credit history and develop financial literacy to hit their goals—among many other things. Since 2012 we’ve grown our team to more than 1500 Chimers across 3 offices. But more than that we’ve expanded the products and services we offer to our members based on their feedback. And in doing so we’ve disrupted the banking industry and changed the conversation for everyday people about money on a national level. Chime is a financial technology company not a bank. Banking services are provided by The Bancorp Bank N.A. or Stride Bank N.A. Members FDIC. *Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received which may be up to 2 days earlier than the scheduled payment date.

Why Work With Us

We’ve crafted a culture that’s grounded in our core values and always focused on our members. We’re civic-minded innovators who take action to bring people together to accelerate equity and prosperity. We embrace our humanity treat each other with respect and kindness and are driven to make an impact on our members and communities far and wide.

Gallery