The opportunity
Trust & Safety at Chime spans multiple product domains.
What you'll do
San Francisco, CA: The base salary range is $183,000 to $205,000.
Chicago, IL: The base salary range is $165,000 to $185,000.
Transaction Risk Decisioning: Build the systems that evaluate transaction risk in real time across card payments, peer-to-peer payments, and bank transfers—raising authorization rates, containing emerging fraud patterns, and turning declines into recoverable experiences. Requires deep expertise in payments risk, including card network rules, authorization and decline codes, and dispute frameworks.
Member Identity & Lifecycle: This team owns the core identity and account lifecycle capabilities that determine how Chime responds when a member is suspended, closed, re-enabled, or otherwise restricted. The team also serves as a critical partner to product teams introducing new account types or lifecycle behaviors, helping them integrate safely with shared Chime patterns instead of creating one-off flows. Requires experience with identity or account lifecycle systems and cross-product orchestration.
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
What they're looking for
- 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
