The opportunity
At Chime, we believe in the power of our product to help people lead healthier financial lives. The Trust & Safety team is tasked with keeping our members’ accounts safe, providing them uninterrupted access to their money, and minimizing the company’s risk exposure and fraud loss.
What you'll do
Drive strategy to reduce transaction declines and increase purchase volume: authorization rates — directly impacting members' experience with Chime, and helping Chime's revenue and purchase volume growth
Launch new controls for an emerging fraud pattern across a money movement rail
Redesign a risky decline flow so more good members recover successfully while bad actors are still contained,
Work cross functionally with analysts, data science, Compliance, Legal and: engineers to improve the quality of risk signals flowing into a decision checkpoint,
Partner with member support teams to make a confusing risk outcome understandable and actionable for members,
Help launch new financial products safely by designing the right safeguards, fallbacks, and monitoring.
What they're looking for
- + years of experience as a Product Manager
- Deep expertise in payments risk: you understand how card networks operate, including Visa and Mastercard transaction rules, authorization reason codes, dispute and chargeback frameworks, and decline return codes (e.g., Do Not Honor, Insufficient Funds, Card Activity Limit). You can hold a substantive conversation with a risk strategist, a network partner, or an issuer processor about why a transaction declined and what can be done about it
- Proven ability to think strategically about purchase volume and authorization: rates , you've connected decisioning logic to revenue outcomes and can frame risk tradeoffs in terms of business impact, not just fraud loss
- A track record of bringing thought leadership to hard, ambiguous problems -: you don't just execute on a roadmap, you shape it. You can articulate a compelling vision for how the transaction experience should work and build alignment across engineering, risk, compliance, and leadership
