Risk Manager, Core Banking

| San Francisco, CA | Hybrid
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About the Role

We are looking for an analytical and data driven team member with experience managing risk related to deposit accounts in a banking or fintech environment.  In this role, you will lead a team of risk analysts and report to the Director of Move Money and P2P Risk and lead your team to develop risk policies for our deposit products, monitor risk performance of the deposit products and partner with the product team to create risk informed product features.  You’ll work cross functionally with partners and stakeholders from multiple business units across the company, including other risk teams, finance, product analytics and engineering.  

For Colorado based roles: In accordance with applicable law, this role has an annual starting salary of $134,000 plus bonus, a competitive equity package, and benefits (see below). The actual pay may be higher depending on your location, skills, qualifications, and experience.

In this role, you can expect to

  • Be a working manager, both directly contributing and managing a team of risk analysts and coaching them in their day to day tasks.  
  • Be a subject matter expert in the deposit account space, providing guidance and expertise to your team and to partners in other business units.
  • Develop and maintain risk policies for our Core Banking Deposit products and card products to limit losses and minimize bad customer experiences. 
  • Work with your team to develop reporting to monitor risk and losses associated with Core Banking Deposit products and card products.
  • Estimate risk impact of new features and support new product testing.
  • Provide risk focused input into product design.
  • Coordinate with fraud operations and disputes teams.  

To thrive in this role, you have

  • A Bachelor’s degree in Engineering, Math, Finance, or other quantitative disciplines; a Master’s degree with a quantitative focus is a plus.
  • 5+ years of combined experience in both the deposit banking focused on check deposits, mobile check deposit, ACH deposit or deposit account limits and a payments risk role.   
  • Excellent SQL programming skills, advanced Microsoft Excel skills, experience in Python (or R or SAS or similar language) 
  • Exceptional detail-orientation and organizational skills. You are eager to solve challenging analytical problems for the business
  • The drive to work in a fast-paced environment and exceed ambitions deadlines while ensuring flawless completion
  • Excellent written and oral communication skills 
  • A strong passion for Chime’s mission

A little about us

We created Chime because we believe everyone deserves financial peace of mind. By eliminating unnecessary fees and helping people grow their savings automatically, we’ve empowered millions of Americans to take control of their finances. 

Chime is the largest and fastest-growing U.S. player in the challenger-banking space. Through our banking partners, we offer access to bank accounts with fee-free overdraft, provide members the chance to receive early access to their paychecks, help them improve their credit, and more!

We’ve built one of the most experienced leadership teams in Fintech and were recently valued at over $25.5B. We’ve raised over $1.7B in funding from leading investors including Sequoia Capital Global Equities, SoftBank Vision Fund 2, General Atlantic, Tiger Global, Dragoneer, DST, Coatue, Iconiq, Menlo Ventures and others.

What we offer

  • đź’° Competitive salary based on experience
  • ✨ 401k match plus the usual medical, dental, vision, life, and disability benefits
  • 📝  Quarterly stipend to spruce up your home office 
  • 🏝 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!
  • 💚  A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help create a completely new kind of banking service

We know that great work comes from great, and inclusive teams. At Chime, we specifically look for individuals of varying strengths, skills, backgrounds, and ideas. 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. 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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An Insider's view of Chime

What’s the vibe like in the office?

The vibe at the office can be described in three words: A good time. The mix of food pop-up events, meaningful developmental talks, and a ping pong tournament here and there make people come together driving a sense of purpose and belonging that I've only experienced at Chime.

Maurizio

Fraud Investigator

How does the company support your career growth?

Developing internal talent is a major component of Chime’s culture, and it’s allowed me the flexibility to define my career path and shift from Talent to People Ops. Chimers are given an annual stipend for professional development, and there are company-led programs for goal setting and internal mobility – all of which supported my career growth.

Mary

People Operations Specialist

How would you describe the company’s work-life balance?

Chime understands that when they hire someone, they support the whole person, which means fantastic perks to help balance work and life, like talking to a professional career coach or a financial planner, family planning, legal services, and more.

Mike

Senior People Partner

What are Chime Perks + Benefits

Chime Benefits Overview

Our benefits philosophy is guided by supporting Chimers’ wellbeing in four key areas - physical, emotional, financial, and social. This encompasses everything from physical and mental health services for you and your family to a matching 401k plan with access to financial advisors and legal advice. We team up to offer inclusive events where Chimers can connect and grow, thoughtfully choose food vendors and office accommodations (including a flexible work model), and schedule company-wide Take Care of Yourself Days that give all Chimers at least one extra paid day off each month. We continuously add and enhance these benefits year-round.

Culture
Volunteer in local community
Chimers volunteer their time, talent, and energy to support causes they care about using our volunteer portal. Activities are also organized through our Chimer Resource Group Program.
Partners with nonprofits
Chime supports nonprofits year-round, focusing on financial literacy, economic empowerment, social justice, and disaster relief. Chimer Resource Groups also partner with nonprofits that matter to them
Open door policy
OKR operational model
Team based strategic planning
Open office floor plan
Employee resource groups
Hybrid work model
In-person all-hands meetings
Employee awards
Flexible work schedule
Remote work program
Diversity
Documented equal pay policy
Dedicated diversity and inclusion staff
Highly diverse management team
Mandated unconscious bias training
We partner with ReadySet for company-wide equity training, with a focus on allyship and anti-racism.
Diversity manifesto
Mean gender pay gap below 10%
Diversity employee resource groups
CRGs (Chimer Resource Groups) include AfroChime, PacifiChime, Chimigos, ChimeHers, Chimmigrants, OutChime, and DiversiChime. Chimers are compensated for their work as leads of these CRGs!
Hiring practices that promote diversity
Recruiting team members and hiring managers complete training on inclusive hiring practices with ModelExpand.
Diversity recruitment program
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Chime employees can contribute annually to their FSA.
Disability insurance
Dental insurance
Vision insurance
Health insurance
Life insurance
Pet insurance
Wellness programs
Team workouts
Join Chimers in a daily plank challenge! Chimers also ride together on Peloton and have Slack channels to coordinate rides and other workouts.
Mental health benefits
Chime partners with ModernHealth to provide Chimers with mental and behavioral health resources including sessions with a therapist and/or life coach.
Transgender health care benefits
Wellness days
Abortion travel benefits
Financial & Retirement
401(K)
401(K) matching
Company equity
Performance bonus
Child Care & Parental Leave Benefits
Childcare benefits
Generous parental leave
We provide up to 16 weeks of parental leave for the primary caretaker. Chime also provides 16 weeks of leave for the secondary caretaker.
Family medical leave
Adoption Assistance
Chime offers both adoption and fertility assistance through Maven, reimbursing Chimers up to $10k each year.
Restricted work hours
Almost every month, Chime provides Chimers with a day off to take care of themselves.
Company sponsored family events
Fertility benefits
Vacation & Time Off Benefits
Unlimited vacation policy
Generous PTO
Paid volunteer time
Paid holidays
Paid sick days
Flexible time off
Bereavement leave benefits
Office Perks
Commuter benefits
Company-sponsored outings
Free daily meals
Free snacks and drinks
Some meals provided
Company-sponsored happy hours
Recreational clubs
Home-office stipend for remote employees
$500 when you initially start with Chime, and $250 per quarter after.
Meditation space
Mother's room
Onsite gym
Professional Development Benefits
Job training & conferences
Lunch and learns
Promote from within
Continuing education stipend
Continuing education available during work hours
Online course subscriptions available
Personal development training
Virtual coaching services

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