Product Manager - Identity, Suspensions & Closures

About the role

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 are looking for a Product Manager to lead strategy and execution for the Member Identity, Suspensions & Closures team. 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.

This is a high leverage role at the intersection of member experience, trust, risk, compliance, and platform infrastructure. A lifecycle decision can protect a member from harm, prevent fraud, determine whether they can access their money, or create a lasting impression of whether Chime is fair and understandable.

This role is available in either San Francisco, CA or Chicago, IL , and candidates may be based in either location.

The base salary for this role depends on the position location:

- 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 .

Full-time employees are also eligible for a bonus, a competitive equity package, and comprehensive benefits. The actual base salary offered will depend on factors such as location, skills, qualifications, and experience.

What this team owns

The Member Identity Suspensions & Closures squad’s charter is to accelerate development of future Chime products by simplifying core identity and account lifecycle.

The team’s primary domain is the user-level lifecycle: the policies, decisions, orchestration, and experiences that govern suspension, closure, and re-enablement across a member’s relationship with Chime. 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.

This team operates across Identity, Risk, OMX, Compliance, Legal, Accounts, Member Experience, Communications, and product teams across Chime. The role requires both strong product judgment and the ability to create clarity when ownership crosses organizational boundaries.

In this role, you can expect to

- Set the vision and roadmap for a reliable, member-centered identity lifecycle across suspension, closure, re-enablement, and related restriction states.

- Define lifecycle policy and decision requirements with Risk, Compliance, Legal, and OMX, balancing fraud prevention, regulatory obligations, operational needs, and member impact.

- Design orchestration across products and services so a user-level action produces predictable outcomes across every relevant account, product, and partner.

- Create a scalable integration model for new products, including clear requirements for APIs, lifecycle states, closure reasons, re-enablement, funds flow, communications, support, and partner synchronization.

- Improve the member experience at moments of restriction or closure by making actions understandable, targeted, consistent, and recoverable when appropriate.

- Improve agent and internal tooling so support and Risk teams can see the current state, understand the reason, follow approved procedures, and escalate exceptions effectively.

- Lead complex cross-functional programs involving Identity, Risk, product engineering, platform engineering, Member Experience, Communications, Bank Partnerships, Compliance, and Legal.

- Build measurement and operating mechanisms for lifecycle reliability, member recovery, false-positive impact, support contacts, policy efficacy, exception rates, and time-to-resolution.

- Own the response to ambiguous or high-severity lifecycle issues, driving root-cause analysis, clear ownership, and durable fixes rather than one-off workarounds.

- Use data, research, and member insights to identify where current policies or experiences create avoidable harm, friction, or operational burden.

To thrive in these roles, you have

- 6+ years of experience as a Product Manager

- A track record of shaping hard, ambiguous problems rather than just executing against a roadmap.

- You can articulate a compelling vision for how identity and account lifecycle should work, and build alignment across engineering, risk, compliance, and leadership.

- The ability to translate complex risk and platform challenges into clear strategy and execution, and to move fluently between member journeys, policy behavior, and platform capabilities.

- Experience operating in systems with significant policy, operational, and data dependencies.

- Strong analytical skills and a track record of turning data and user insight into product decisions, with particular sensitivity to how restriction and closure moments affect member trust and retention.

- Deep curiosity, a strong sense of ownership, and comfort in a fast-growing, cross-functional environment.

- A passion for helping members lead healthy financial lives.

#LI-WS1

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 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.

What we offer for our full-time, regular employees

- 🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.

- 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.

- ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.

- 🏝 Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents

- 👪 Access to family planning reimbursement

- 💚 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.

Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: [email protected] .

To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice .