Senior Associate, Product Compliance

ABOUT THE ROLE Chime is seeking a Senior Associate, Product Compliance to join our team and support the development of our products and services, focusing on payments and credit cards. As a Senior Associate, you will play a key role in shaping new and existing products by collaborating with cross-functional teams, including Product, Engineering, Operations, Legal, and Compliance. Your expertise will help identify regulatory requirements early and develop practical solutions that balance compliance and member experience. WHAT YOU'LL DO As a Senior Associate, Product Compliance, your responsibilities will include: - Demonstrating expertise in consumer laws and regulations related to consumer financial products, such as Regulation Z, UDAAP, Regulation E, Regulation DD, the Bank Secrecy Act, and applicable state money transmission requirements. - Partnering with Product, Engineering, Operations, Legal, and Compliance teams to integrate compliance requirements into new and existing products and features. - Evaluating product compliance risks and providing practical guidance to support business objectives while maintaining regulatory compliance. - Leading or supporting remediation efforts for products and processes within your scope, driving sustainable corrective actions. - Monitoring emerging regulatory developments and assessing potential impacts to Chime products, controls, and member experiences. - Supporting compliance management system activities, including policy and procedure maintenance, documentation development, audits, examinations, and issue management. - Establishing and maintaining strong relationships with internal stakeholders, external partners, and issuing bank compliance teams. WHAT YOU'LL NEED To thrive in this role, you should have: - At least 6 years of experience in banking, credit, payments, deposits, fintech, or a related product compliance function. - Demonstrated knowledge of key regulations, including UDAAP, FTC requirements, TILA (Reg Z), Regulation E, Regulation DD, FCRA, Bank Secrecy Act requirements, VISA rules, and state money transmission laws. - Experience researching, interpreting, and applying banking regulations, industry guidance, and regulatory expectations to product decisions. - Experience conducting compliance risk assessments and translating findings into practical business recommendations. - Strong analytical, verbal, and written communication skills, with experience independently executing compliance management system activities. - Ability to operate autonomously, solve complex problems, and develop practical solutions with minimal oversight. - Proven ability to collaborate and influence internal stakeholders and external partners to achieve alignment on regulatory risk issues and mitigation strategies. WHY REMOTE As a remote employee, you will have the flexibility to work from anywhere and be part of a dynamic team that is passionate about helping everyday Americans achieve financial progress. BENEFITS - Base salary: $101,000.00 - $140,000.00 per year. - Eligibility for a bonus, competitive equity package, and benefits. - Full-time employees are eligible for these benefits.