Senior Associate, Compliance Advisory

The Sr. Associate, Compliance Advisory partners with Complaints, Product, Operations, and other business teams to provide compliance guidance as a second line of defense. The role supports consumer complaint oversight, new and existing product operations advisory, agent readiness, member- and agent-facing communications, and process improvement while identifying consumer and regulatory risks and helping drive issues through remediation and implementation.

The base salary offered for this role and level of experience will begin at $101,000.00 and up to $140,000.00. 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. 

• Advise the first line of defense on complaint-management requirements, regulatory expectations, and industry best practices.
• Review complaint-handling processes, procedures, controls, and documentation; identify gaps and recommend remediation, maintaining ownership of the issue lifecycle from informing the business of identified gaps and recommendations through completed remediation and implementation.
• Recommend and implement process improvements that balance regulatory requirements with innovative, member-friendly solutions.
• Demonstrate knowledge of and apply consumer financial regulations—including Regulations Z, E, and DD, UDAAP, NACHA, VISA Operating Standards, and applicable state requirements—through compliance advisory work and day-to-day responsibilities.
• Support operational teams in investigating and resolving consumer complaints while analyzing trends and potential member impact.
• Perform oversight and monitoring to promote timely, accurate, and appropriate complaint resolution.
• Develop and refine complaint procedures, guidance, training materials, and educational resources.
• Assist with responses to sensitive and regulatory complaints and inquiries.
• Ensure complaint-related work, processes, procedures, and guidance align with all applicable requirements of the Complaints Policy.
• Support regulatory, bank partner, and internal audit readiness by collecting, organizing, and validating requested documentation and helping ensure complaint processes and records are complete and current.
• Review complaint dashboards and complaint trends to identify emerging risks, recurring issues, and opportunities for improvement.
• Present compliance findings, complaint trends, risk assessments, recommendations, training, and process updates to business partners and relevant business stakeholders when needed.
• Prepare executive-level reports and presentations on compliance findings data, trends, risks, and recommendations.

• Provide compliance advisory support for operations supporting new products and changes to existing products, including identifying compliance considerations and helping teams address related risks and requirements.
• Translate complex compliance requirements and data-driven insights into clear, practical, and actionable guidance for business partners and member-facing teams.
• Support agent readiness for new products and changes to existing products by partnering on agent-facing communications, member-facing communications, help center articles, training, and other agent-ready content.
• Partner with Compliance, Legal, Quality Control, Quality Assurance, bank partners, and business teams to mitigate compliance risk.
• Demonstrate strong proficiency in AI tooling and proactively identify responsible AI-enabled tools and workflows that help the Compliance Advisory team work more efficiently and effectively.
• Use AI tooling to accelerate data analysis, complaint-trend identification, monitoring, oversight, research, documentation, reporting, and preparation of business-partner guidance while maintaining appropriate human review and compliance with confidentiality requirements.
• Leverage AI-enabled insights to help business partners make faster, better-informed decisions and improve outcomes for members.
• Support quality assurance and quality control business partners as a second line of defense by helping ensure the program is regulatory sound, appropriately designed, and operating effectively for its intended purpose.
• Serve as a knowledgeable Compliance presence in meetings with bank partners and business partners by contributing to discussions, answering questions, and identifying compliance considerations.

• Consumer complaints and complaint-program management and oversight.
• Regulatory knowledge, including the ability to interpret applicable regulations and translate them into practical, risk-based guidance for products, processes, and member experiences.
• Risk identification, escalation, and remediation.
• Executive and business-partner communication and presentation skills.
• Data analysis, automation, and practical application of AI tools.
• Cross-functional collaboration and stakeholder management.
• Process documentation, monitoring, training, and continuous improvement.
• Independent execution and resourcefulness, including taking end-to-end ownership.

• 5+ years of compliance experience in fintech, banking, or financial services, including meaningful work supporting consumer financial products and a track record of operating with a high degree of independence
• Direct, hands-on experience with deposit accounts and credit products
• Hands-on experience with consumer complaints and complaint-program management and oversight
• Strong regulatory knowledge, with the ability to interpret applicable regulations and translate them into practical, risk-based guidance for products, processes, and member experiences
• A sharp instinct for risk identification, escalation, and remediation — and the persistence to see issues through to closure
• Experience supporting regulatory exams, bank partner reviews, or internal audits
• Executive and business-partner communication and presentation skills
• Comfort with data analysis and automation, and practical experience applying AI tools to real work
• A collaborative approach to cross-functional work and stakeholder management
• Experience with process documentation, monitoring, training, and continuous improvement
• A bias toward independent execution and resourcefulness, including taking end-to-end ownership from problem to solution
• Comfort working in a fast pace environment that doesn't slow down

#LI-Onsite #LI-LB1

At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.

We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.

We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress. 

We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.

Because if we don't—who will?

*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.