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 $150,000 and up to $244,000. 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

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.