Compliance Associate, Disputes

About the role 

We are hiring a Compliance Associate to join our Compliance team within our Operations and Member Experience Advisory pillar. As a Compliance Associate, you’ll advise in dispute handling processes and provide general oversight. You’ll work with internal teams (first and second line of defense) as well as with our issuing bank partners’ legal and compliance teams, to facilitate quality and innovative compliance risk management solutions. You’ll work with internal and external partners to review processes, remediate issues, and  advise on processes to mitigate compliance risk at Chime. The ideal candidate will have a strong understanding of payments processing, regulatory requirements, and industry best practices in dispute resolution.

The base salary offered for this role and level of experience will begin at $82,620 and up to $114,800. Full-time employees are also eligible for a bonus, competitive equity package, and benefits. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.

In this role, you can expect to

• Advisory Services: Provide guidance and support to first line teams regarding transaction dispute handling, ensuring compliance with applicable regulations such as Regulation E (Electronic Fund Transfer Act), Regulation Z (Truth in Lending Act), and FCRA (Fair Credit Reporting Act). Advise partners on operationalizing compliance requirements within day to day dispute handing activities related to credit, lending, and deposit accounts. Conduct compliance reviews for member-facing content and experiences.
• Regulatory Compliance: Monitor and assess transaction dispute resolution processes to ensure adherence to legal and regulatory requirements, including but not limited to Regulation E, Regulation Z, and FCRA.
• Oversight and Risk Management: Conduct regular monitoring and oversight activities  of the dispute handling process to identify areas for improvement and ensure compliance risks are mitigated.
• Process Improvement: Collaborate with relevant cross functional partners to recommend and implement enhancements to the transaction dispute handling process to ensure member centric practices that are efficient and compliant.
• Training and Education: Develop and deliver training materials for first line partners to enhance understanding of dispute handling procedures, compliance requirements, industry hot topics, and regulatory changes.

To thrive in this role, you have

• 6 or more years of experience in banking, deposits, credit, and/or lending, or equivalent experience in consumer compliance roles.
• Strong knowledge of financial regulations and card standards, including but not limited to: Electronic Funds Transfers (Reg E), TILA (Reg Z), UDAAP, VISA Operating Standards, and FCRA.
• Demonstrated ability to operationalize and provide guidance on key regulations including but not limited to: UDAAP, NACHA compliance, TILA (Reg Z), VISA Operating Standards, Electronic Funds Transfers (Reg E), and FCRA.
• Keen understanding of potential operational risk in the disputes space (debit, credit, ACH)
• Experience with regulations and industry guidelines applicable to payments, lending, and/or deposit accounts. 
• Experience advising stakeholders on applicable consumer compliance laws and regulations.
• Experience with establishing and maintaining strong relationships with internal and external stakeholders.
• Experience researching, interpreting, and applying banking rules, regulations, and industry standards practices. 
• Experience advising on control design and execution. 
• A desire to collaborate and have the ability to influence both your colleagues and external partners to achieve consensus on regulatory risk issues and appropriate mitigation.
• Excellent analytical, verbal and written communication skills.
• Ability to come up with solutions to issues, with minimal oversight from your leadership team.
• A creative mind for finding solutions that ensure the best experience for our members.

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 basic banking services should be helpful, transparent, 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

• 🏢 A thoughtful hybrid work policy that combines in-office days and trips to team and company-wide events depending on location to ensure you stay connected to your work and teammates, whether you’re local to one of our offices or remote
• 💻 Hybrid work perks like backup child, elder and/or pet care, as well as a subsidized commuter benefit
• 💰 Competitive salary based on experience
• ✨ 401k match plus great medical, dental, vision, life, and disability benefits
• 🏝 Generous vacation policy and company-wide Chime Days, bonus 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 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
• 👪 Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.
• 🎉 In-person and virtual events to connect with your fellow Chimers—think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!
• 💚 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.

We hire candidates of any race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, Veteran status, and any other status. Chime is proud to be an Equal Opportunity Employer and will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance, Cook County Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation, please let us know. 

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

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