# Senior Lead, Chime Enterprise Compliance

**Company:** [Chime](https://hotfix.jobs/companies/chime)
**Location:** Chicago, IL, New York, NY, San Francisco, CA
**Role:** Other
**Salary:** $134k – $175k/yr
**Experience:** 7+ years
**Skills:** consumer compliance, udaap, regulation e, regulation z, ecoa, fcra, regulation dd, bank secrecy act, money transmission laws, product compliance advisory, regulatory risk management, compliance program management, Cross-Functional Leadership
**Posted:** 2026-07-22

> Lead individual contributor serving as primary compliance advisor for Chime's B2B and B2C financial products. Provide regulatory expertise on UDAAP, Reg E/Z/B, FCRA and related laws to guide product design, launches, and risk mitigation while partnering with product, engineering, legal and executive teams.

## Job Description

## Responsibilities
- Serve as a lead subject matter expert and primary compliance advisor for Chime’s B2B and B2C product lines, advising product, engineering, legal, and operations teams on compliance requirements for new products, features, and marketing with little to no oversight.
- Demonstrate comprehensive advisory expertise in consumer financial laws and regulations applicable to Chime’s enterprise and consumer-facing products, including UDAAP, Regulation E, Regulation Z, ECOA/Regulation B, FCRA, Regulation DD, Bank Secrecy Act, and applicable state money transmission laws.
- Lead significant cross-functional compliance efforts, serving as the “go-to” resource for compliance guidance across three or more regulatory areas and three or more business lines within the Chime Enterprise product portfolio.
- Own the review and approval of product collateral, user flows, disclosures, and marketing materials; develop and lead standards for review frameworks and work with legal counsel to resolve nuanced and complex compliance issues.
- Drive compliance readiness for product launches by independently identifying regulatory risks and developing creative, scalable mitigation solutions, including liaising with issuing bank partners’ compliance and legal teams.
- Lead solutioning efforts with business, risk, and operational teams for compliance issues and findings, overseeing end-to-end remediation and ensuring sustainable risk mitigation outcomes across B2B and B2C product areas.
- Use expert knowledge to drive the implementation, maintenance, and execution of key compliance program components — including policies, procedures, training, testing, and controls — advocating for collaboration with partner teams at Director+ levels.
- Proactively identify compliance risks and process improvement opportunities across the enterprise and consumer product portfolio; apply strategic thinking to independently make decisions with moderate to significant impact.
- Serve as a sought-out thought partner by business, risk, and operational teams for compliance process enhancements and issue remediation.
- Create and lead formal cross-functional networks to advance compliance objectives; communicate and persuade diverse senior and executive stakeholders on complex regulatory matters.
- Build and maintain strong relationships with internal and external stakeholders, including bank and third-party partners, regulators, and cross-functional leaders; influence priorities and decisions at Director+ levels.
- Play an active role in mentoring compliance team members, recruiting new talent, and structuring and leading initiatives to build a positive and inclusive compliance team culture.

## Requirements
- 7+ years of experience in consumer compliance within financial services, fintech, or banking environments, or equivalent experience across multiple consumer compliance disciplines, including product compliance advisory, compliance management system governance, or regulatory risk management.
- Demonstrated in-depth regulatory knowledge across three or more areas with major impact to new product development and deep understanding of three or more consumer financial product lines or business segments (e.g., payments, credit, deposits, lending, B2B financial services).
- 4+ years of experience independently advising on design controls and explaining compliance requirements for new products, new features, and new marketing during the development phase, with little to no oversight.
- Expert skill in developing standards to review and approve product collateral, disclosures, and marketing materials, including working with legal counsel to navigate nuanced and complex regulatory issues for B2B and B2C products.
- Track record of leading cross-functional compliance efforts and influencing priorities and decisions at the Director and senior executive level; recognized internally and by cross-functional teams as a broad compliance subject matter expert.
- Demonstrated knowledge of key regulations including UDAAP, TILA (Reg Z), ECOA (Reg B), FCRA, Electronic Funds Transfers (Reg E), Truth in Savings Act (Reg DD), Bank Secrecy Act, and applicable state money transmission laws and regulations.
- Experience independently leading solutioning and end-to-end remediation efforts for compliance issues and findings in collaboration with business, risk, and operational teams.
- Strong strategic thinking skills; able to apply relevant law and organizational policy to identify, communicate, and resolve compliance risks or issues at a company level, with a view toward overall company strategy.
- Experience owning the implementation, maintenance, and execution of compliance program components — including policies, procedures, controls, and training — and identifying synergies across partner teams to drive risk mitigation and efficiency.
- Excellent analytical, written, and verbal communication skills, including the ability to convey complex regulatory information and persuade diverse senior stakeholders and executive audiences.
- Certified Regulatory Compliance Manager (CRCM), JD, or equivalent designation preferred.
- A commitment to Chime’s mission of delivering financial peace of mind to all members, and a desire to find creative compliance solutions that enable the best product experience for Chime’s enterprise and consumer customers.

## Compensation
- Base salary: $134000 - $175000
- Eligible for bonus, competitive equity package, and benefits.

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