# Product Manager, Transaction Risk Decisioning

**Company:** [Chime](https://hotfix.jobs/companies/chime)
**Location:** Chicago, IL, San Francisco, CA
**Role:** Product Management
**Salary:** $165k – $205k/yr
**Experience:** 5+ years
**Skills:** Payments Risk, Visa, Mastercard, Authorization Codes, Chargebacks, Fraud Detection, Machine Learning, Artificial Intelligence, Experiment Design, Risk Decisioning, Ach, Peer-To-Peer Payments, Data Analysis, Product Strategy, Compliance
**Posted:** 2026-08-10

> Leads product strategy and execution for real-time transaction risk decisioning across card payments, ACH, peer-to-peer payments, and transfers. Requires 5+ years of product management experience, deep payments-risk expertise, strong analytical capabilities, and cross-functional leadership.

## Job Description

## Responsibilities
- Drive strategy to reduce transaction declines and increase purchase volume authorization rates.
- Launch new controls for emerging fraud patterns across money movement rails.
- Redesign risky decline flows to improve recovery for legitimate members while containing bad actors.
- Partner with analysts, data scientists, Compliance, Legal, engineers, operations, platform teams, and member support.
- Improve the quality of risk signals flowing into decision checkpoints.
- Make confusing risk outcomes understandable and actionable for members.
- Design safeguards, fallbacks, and monitoring for new financial products.
- Shape product vision and build alignment across engineering, risk, compliance, and leadership.

## Requirements
- 5+ years of experience as a Product Manager.
- Deep expertise in payments risk, including card networks, Visa and Mastercard transaction rules, authorization reason codes, dispute and chargeback frameworks, and decline return codes.
- Experience connecting decisioning logic to revenue outcomes and framing risk tradeoffs in terms of business impact.
- Strong product mindset with 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.
- Ability to work across member journeys, policy behavior, experiment design, and platform capabilities.
- Strong customer empathy and experience turning user insights into product decisions.
- Strong analytical skills and experience applying machine learning and AI methodologies.
- Experience working in a fast-growing, cross-functional environment.
- Deep curiosity, ownership, and passion for helping members lead healthy financial lives.

## Compensation and Benefits
- San Francisco, CA base salary: **$183,000–$205,000**.
- Chicago, IL base salary: **$165,000–$185,000**.
- Four days per week in the office and Fridays from home for employees near an office; fully remote program options are also available.
- Backup child, elder, and pet care; subsidized commuter benefits for eligible employees.
- Comprehensive health, financial, and wellbeing benefits.
- Generous vacation policy and company-wide paid days off.
- Community service time, annual wellness stipend, paid parental leave, and family planning reimbursement.

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