Full-Time
Product Manager
Trust & Safety
Posted on 4/29/2026
Chime
1,001-5,000 employees
Online bank offering fee-free accounts
Compensation Overview
$165k - $205k/yr
San Francisco, CA, USA + 1 more
More locations: Chicago, IL, USA
Hybrid
Four days per week in the office and Fridays from home for employees near an office. The AI Agent role is San Francisco-only and may require relocation to the Bay Area.
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- 8+ years of experience as a Product Manager.
- 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.
- 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 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 artificial intelligence 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.
Chime is an online financial technology platform that provides banking services and a debit card through partner banks (The Bancorp Bank, N.A. and Stride Bank, N.A.). It operates without physical branches and focuses on a fee-free experience. Customers can use SpotMe to overdraft up to $200 on debit purchases (eligibility required), receive paychecks up to two days early via direct deposit, and access over 60,000 fee-free ATMs. Chime also offers a secured credit card that doesn’t require a credit check and can help improve FICO scores, along with a savings account offering 2.00% APY with no fees. The company generates most of its revenue from interchange fees charged when customers use the Chime debit card. The goal is to make banking simpler and cheaper for everyday users through a digital-first platform.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
San Francisco, California
Founded
2012
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Simplify's Take
What believers are saying
- Q2 2026 revenue reached $670 million, up 27%, with second straight GAAP profit.
- Active members grew 20% to 10.4 million; purchase volume hit $38 billion.
- Management raised 2026 guidance to $2.725 billion-$2.745 billion revenue after Chime Prime gains.
What critics are saying
- Chime cut 10% of staff on July 31, 2026, and paid $16-$20 million charges.
- CFO Matt Newcomb exits August 7, 2026, forcing Mark Troughton into interim finance leadership.
- If stablecoin bets sour, Chime faces commoditization by JPMorgan, Cash App, and Revolut.
What makes Chime unique
- Chime launched Chime Invest on July 20, 2026, unifying banking, savings, and investing.
- Allied Universal chose Chime Workplace on August 3, 2026 for 320,000 employees.
- Chime’s fee-free model pairs interchange revenue with savings, overdraft, and credit-building tools.
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Benefits
Competitive salary based on experience
401k match plus the usual medical, dental, vision, life, and disability benefits
Generous vacation policy and company-wide Take Care of Yourself Days
Virtual events to connect with your fellow Chimers- think cooking classes, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!
Growth & Insights and Company News
6 month growth
↑ 0%1 year growth
↑ 0%2 year growth
↑ 0%Milk Bar teams with Chime for new 24K Gold Cookie Dough Cone. Milk Bar has started a new promotion with Chime as they are offering up a new 24K Gold covered cookie dough cone for a limited time. Published Wed, 02 Sep 2026 18:42:10 -0500 Article summary. * Milk Bar teams with Chime to launch the limited-time Get That Dough Cone, its first-ever cookie dough cone. * The Milk Bar treat features cookie dough soft serve, cookie dough chunks, and edible 24K gold on top. * The Get That Dough Cone costs $12 from September 4 to October 2, with an $8.88 Labor Day weekend special. * Chime members can score the Milk Bar cone for $5 at participating bakeries, plus eligible cash back rewards. Milk Bar has a new promotion this month, partnering with Chime to release a brand-new 24K Gold Cookie Dough Cone. The Chime promotion here is a far distant second talking point; you'll only really care about it if you use Chime to begin with. The real talking point here is the cone you see in the image: the limited-edition Get That Dough Cone will go on sale Friday, September 4, at participating Milk Bar locations in New York City, Los Angeles, and Washington, D.C., and will be available through October 4. This thing is filled with cookie dough soft serve with cookie dough chunks, all topped with edible 24k gold. Bleeding Cool has more details below about the cone and the promotion. Gett a 24K Gold Cookie Dough Cone at Milk Bar starting Friday. The Get That Dough Cone is Milk Bar's first cookie dough cone, and it's filled with cookie dough soft serve, topped with cookie dough chunks and edible 24k gold. It is, in every sense, loaded with dough and for Chime Prime members who use their Chime Card, eating it puts a little dough back in your wallet. The Get That Dough Cone is $12 and available from September 4 through October 2, while supplies last. Over Labor Day Weekend - Saturday, September 5 through Monday, September 7 - it drops to $8.88 for everyone, a nod to the angel number associated with abundance and financial luck. Chime members get the sweetest version of the deal: $5 at participating Milk Bar bakeries all month long, while supplies last. And Chime Prime members who've selected restaurants as their 5% cash back category on their Chime Card1 get a little dough back on the purchase. Because what's better than spending dough? Getting some back. "There's this idea that if you're serious about your money, you have to sacrifice any rewards for yourself," said Orlando Baeza, Vice President of Brand & Creative at Chime. "We don't buy it. People who are working toward real goals still deserve treats and rewards for their progress and discipline. That's the whole point of 5% cash back on the category of your choice - it's the treat that pays you back a little. And now we made one you can literally eat - so enjoy!" "At Milk Bar, we're always looking for unexpected ways to play with the treats and flavors people love," said Shannon Salzano, VP of Creative and Brand Partnerships at Milk Bar. "For our first-ever cookie dough cone, we went all in: cookie dough soft serve, chunks of cookie dough, and even a little gold on top. Chime gave us a fun reason to play with the idea of 'getting that dough,' and we can't be more excited for people to give it a try."
Chime Financial's President and Interim CFO Mark Troughton disposed of 26,072 shares on 17 August 2026, valued at approximately $835,000. The sale was executed automatically to cover tax withholding obligations related to vesting restricted stock units and does not reflect Troughton's outlook on the stock. Troughton continues to hold 4,173,999 shares of Class A Common Stock directly. Chime's shares closed at $31.91 on 18 August, delivering a 7% return over the previous 12 months. The San Francisco-based fintech reported $2.4 billion in trailing-twelve-month revenue and an $18.2 million net loss. Chime operates a fee-free digital banking model, generating revenue primarily through interchange fees on customer transactions. The company serves consumers with annual household incomes below $100,000 and has a market capitalisation of $12.2 billion.
Chime is exploring stablecoin wallet services for its banking app. Chime, the largest US neobank, is exploring stablecoin wallet integration for its banking app, with infrastructure startup Rain among the firms that held talks, according to Bloomberg. Chime reaches out to blockchain firms over stablecoin plans. Chime, widely regarded as the largest neobank in the United States, is weighing a move into stablecoin-powered wallet services. According to Bloomberg, the company asked blockchain firms in late spring to submit proposals for end-to-end stablecoin wallet solutions that could be integrated directly into its consumer banking app. Infrastructure startup Rain was among the companies that held discussions with @Chime as part of that process. No deal has been confirmed, and Chime has not committed to a launch. No timeline or product details have been publicly disclosed. Rain: a rising force in stablecoin infrastructure. Rain is a private financial technology company founded in 2021. The company provides stablecoin-powered payment infrastructure, enabling businesses to issue payment cards and digital wallets funded by cryptocurrencies. The company raised $250 million in a Series C funding round to scale its stablecoin payments infrastructure, a round that valued it at $1.95 billion. Rain's platform is used by more than 200 companies and facilitates over $3 billion in annualized transactions. Rain describes itself as the global stablecoin payments platform for enterprises, neobanks, platforms, and developers, with technology that allows partners to move, store, and use stablecoins instantly and compliantly through global payment cards, rewards, on/offramps, wallets, and cross-border rails. The startup works with neobanks who want to let their customers use crypto deposits, instead of US dollars, to settle charges on payment cards. The talks come as mainstream financial institutions move closer to stablecoin adoption following clearer regulation. Enterprise interest in stablecoins has surged following the GENIUS Act in the US and the MiCA framework in Europe, which have created a clearer regulatory path for adoption. Traditional neobanks like Chime do not hold bank charters and operate as technology layers on top of core banking systems provided by licensed institutions. Chime, for example, partners with The Bancorp Bank and Stride Bank. Whether Chime ultimately builds, buys, or passes on stablecoin capabilities remains to be seen. For now, the exploratory conversations alone signal that even the most mainstream digital banks are taking the technology seriously. (Advertisement)
Chime Financial reported strong second-quarter 2026 results, with active members growing 20% and revenue increasing 27% year-over-year. The digital banking company also accelerated growth in card purchase volume and payment revenue. The company's adjusted EBITDA margin expanded to 15% for the quarter, up 12 percentage points from the prior year. Chime posted its second consecutive quarter of GAAP net income. Co-founder and CEO Christopher Britt highlighted the company's enterprise team securing a top US employer for its Chime workplace solution. He characterised the performance as "exceptionally strong" and said the results demonstrate Chime is "emerging as the clear market leader" for banking mainstream America. The earnings call included executives Peter Stabler, vice president of investor relations; Matt Newcomb, chief financial officer; and Mark Troughton, president.
Chime Financial CEO Christopher Britt sold 550,000 shares of Class A Common Stock for $16.5 million on 6 and 7 August, according to an SEC filing. The sale was executed under a Rule 10b5-1 trading plan established in September 2025, which allows corporate insiders to schedule trades in advance. Britt retains substantial equity exposure through derivative securities held in various trusts. The weighted average sale price was $29.93 per share. San Francisco-based Chime operates as a digital banking platform serving consumers earning under $100,000 annually. The company generates revenue primarily from interchange fees and reported $2.5 billion in revenue over the trailing twelve months, with a net loss of $18.2 million.