Product Manager - Transaction Risk Decisioning

About the Role

At Chime, we believe in the power of our product to help people lead healthier financial lives. The Trust & Safety team is tasked with keeping our members’ accounts safe, providing them uninterrupted access to their money, and minimizing the company’s risk exposure and fraud loss.

We are looking for a Product Manager to lead product strategy and execution for Transaction Risk Decisioning at Chime.

This team builds the decisioning systems and product experiences that help Chime evaluate transaction risk in real time across card payments, peer-to-peer payments, bank transfers, and other money movement surfaces. The team partners closely with engineering, analytics, risk strategy, operations, and platform teams to reduce fraud, improve approval rates, and make risk outcomes clearer and more recoverable for members.

For our members, this space is deeply personal. A risk decision can determine whether a card transaction goes through, whether money movement succeeds, whether a suspicious action is stopped in time, and whether a member feels protected or unfairly blocked. The best products in this area make safety visible without making everyday banking harder. They keep friction targeted to risky behavior, not normal behavior, and turn declines or interventions into understandable, recoverable experiences.

What this team owns

This is a high-leverage role at the intersection of risk, growth, trust, and product quality. The team owns outbound transaction risk across card authorization, ACH, peer-to-peer, outbound transfers, and related surfaces — protecting a large share of Chime's revenue while minimizing fraud and disputes and enabling healthy growth.

In this role, you can expect to

• Drive strategy to reduce transaction declines and increase purchase volume authorization rates — directly impacting members' experience with Chime, and helping Chime's revenue and purchase volume growth
• Launch new controls for an emerging fraud pattern across a money movement rail
• Redesign a risky decline flow so more good members recover successfully while bad actors are still contained,
• Work cross functionally with analysts, data science, Compliance, Legal and engineers to improve the quality of risk signals flowing into a decision checkpoint,
• Partner with member support teams to make a confusing risk outcome understandable and actionable for members,
• Help launch new financial products safely by designing the right safeguards, fallbacks, and monitoring.

To thrive in this role, you have

• 5+ years of experience as a Product Manager 
• Deep expertise in payments risk — you understand how card networks operate, including Visa and Mastercard transaction rules, authorization reason codes, dispute and chargeback frameworks, and decline return codes (e.g., Do Not Honor, Insufficient Funds, Card Activity Limit). You can hold a substantive conversation with a risk strategist, a network partner, or an issuer processor about why a transaction declined and what can be done about it
• Proven ability to think strategically about purchase volume and authorization rates , you've connected decisioning logic to revenue outcomes and can frame risk tradeoffs in terms of business impact, not just fraud loss
• A track record of bringing thought leadership to hard, ambiguous problems - you don't just execute on a roadmap, you shape it. You can articulate a compelling vision for how the transaction experience should work and build alignment across engineering, risk, compliance, and leadership
• A strong product mindset and the ability to translate complex risk and platform challenges into clear strategy and execution
• Experience operating in systems with significant policy, operational, and data dependencies
• The ability to engage fluently across member journeys, policy behavior, experiment design, and platform capabilities
• Strong customer empathy and a track record of turning user insights into product decisions — with a particular sensitivity to how declines and friction moments affect member trust and retention
• Strong analytical skills and experience applying machine learning and AI methodologies
• Deep curiosity and a strong sense of ownership
• Experience working in a fast-growing, cross-functional environment
• A passion for helping members lead healthy financial lives

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.

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