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About the role
As Chime continues to grow, we are enhancing our business control testing capabilities to ensure Chime’s Operations and Member Experience (OMX) organization maintains an internal control environment that meets regulatory requirements. As a Program Manager on our newly created Business Control Testing team, you will be responsible for executing first-line control testing of complaints handling, dispute intake & investigations, fraud, and other processes. As part of executing control testing, you will work closely with OMX control owners, Compliance, and other cross-functional teams to ensure Chime’s adherence to bank partners and regulatory requirements.
The base salary offered for this role and level of experience will begin at $103,680 and up to $144,000. 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.
In this role, you can expect to
- Execute risk-based control testing of OMX controls and processes to check that OMX is compliant with regulatory requirements and aligned to business best practices.
- As part of executing testing: (i) help develop, maintain, and execute against test scripts; (ii) produce complete and accurate workpapers; and (iii) review and challenge the results of OMX quality control reviews.
- With support from Compliance and Business Control Testing management, stay current on regulatory changes and bank partner expectations impacting consumer complaints, disputes, member experience, and other areas of testing.
- Maintain strong relationships with OMX, Compliance, and Legal and Risk Management teams so that we can collectively: (i) achieve comprehensive risk and control identification and assessment; and (ii) integrate new/enhanced controls into existing business processes.
- Identify, escalate, and determine the root cause of emerging risks and issues related to consumer complaints, dispute handling, or other processes. Contribute to sound issue management by tracking the progress of action plans and providing review and challenge of remediations.
- Assist with creating and delivering reporting of control testing results, performance indicators, trends, and required control/process enhancements.
To thrive in this role, you should
- Have 3-7 years experience in banking or financial services, preferably with experience in control testing, compliance, audit, fraud, complaint handling, dispute handling, and/or risk management.
- Be able to demonstrate and leverage expertise in consumer financial regulations, including, but not limited to, any of Fair Lending, UDAAP, Reg-E, Reg-Z, FCRA, FDCPA, and/or SCRA.
- Have excellent analytical and investigatory skills, including: (i) interpreting and reviewing complex datasets to identify anomalies; (ii) reviewing policies and procedures to identify gaps or deficiencies; and (iii) leading interviews with relevant stakeholders.
- Have excellent communication and presentation skills, including being able to articulate testing results and the root cause of identified issues in a way that enables Business Control Testing and relevant stakeholders to determine appropriate remediations.
- Be able to work independently, with minimal oversight, including providing guidance and coaching to junior members of the team.
- Actively foster and promote collaboration, teamwork, and inclusivity, including helping to coach and train new joiners.
A little about us
At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that basic banking services should be helpful, transparent, 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.
What we offer
- 🏢 A thoughtful hybrid work policy that combines in-office days and trips to team and company-wide events depending on location to ensure you stay connected to your work and teammates, whether you’re local to one of our offices or remote
- 💻 Hybrid work perks like backup child, elder and/or pet care, as well as a subsidized commuter benefit
- 💰 Competitive salary based on experience
- ✨ 401k match plus great medical, dental, vision, life, and disability benefits
- 🏝 Generous vacation policy and company-wide Chime Days, bonus company-wide paid days off
- 🫂 1% of your time off to support local community organizations of your choice
- 👟 Annual wellness stipend to use towards eligible wellness related expenses
- 👶 Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
- 👪 Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.
- 🎉 In-person and virtual events to connect with your fellow Chimers—think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!
- 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress
We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.
We hire candidates of any race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, Veteran status, and any other status. Chime is proud to be an Equal Opportunity Employer and will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance, Cook County Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation, please let us know.
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.
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