Senior Associate, Business Compliance

About the role 

We are hiring a Senior Compliance Associate to join our Marketing Compliance team to support the exciting products and services at Chime. As a Senior Compliance Associate, you will operationalize compliance processes such as reviewing and advising on end-to-end compliance as it relates to advertising and marketing for Chime’s products, services and brand. You will team up with cross functional teams, such as legal, marketing, and product, to launch marketing campaigns in a compliant manner. You will monitor the evolving regulatory landscape and advise enhancements to existing Chime products, services, and brand to remain compliant as they continue to scale.  You’ll also collaborate with our issuing bank partners’ legal and compliance teams, to facilitate quality and innovative compliance risk management solutions. 

The base salary offered for this role and level of experience will begin at $103,680 and up to $144,000. 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

• Demonstrate advisory and experience with consumer laws and regulations related to the marketing and offering of consumer financial products to ensure Chime’s adherence and compliance with, but not limited to,  FTC Act §5, FTC Endorsement and Testimonial Guidelines, Unfair, Deceptive or Abusive Acts or Practices (UDAAP), the Truth In Lending Act (Regulation Z), Electronic Funds Transfer Act (Regulation E), and Truth in Savings Act (Regulation DD), as well as state-specific rules and regulations.
• Independently operationalize day-to-day compliance responsibilities related to marketing and growth initiatives for member-facing content
• Play a crucial role in evaluating marketing compliance, ensuring that the processes align with legal and regulatory requirements, leading to the early identification and sustainable mitigation of risk, such as UDAAP.
• Support the compliance function in defining and achieving departmental initiatives, maintaining relevant policies and procedures, developing documentation solutions, and liaising with auditors.
• Establish and maintain strong relationships with internal and external stakeholders.
• Create,review and train on compliance guidance and publish to shared spaces.

To thrive in this role, you have

• 5 or more years of experience in banking, credit, payments, or deposits, or equivalent experience in marketing compliance. Fintech experience is a plus. 
• equivalent experience in product or marketing compliance.
• Demonstrated knowledge of key regulations including but not limited to: Marketing and Advertising Compliance, UDAAP, FTC compliance, TILA (Reg Z), VISA branding rules, Electronic Funds Transfers (Reg E), FCRA, various state money transmission laws and regulations.
• Experience researching, interpreting, and applying financial services rules, regulations, and industry standards practices. 
• Experience with regulations and industry guidelines applicable to mobile, social media, native advertising digital and traditional marketing, including the FTC Endorsement and Testimonial Guidelines and claim substantiation requirements. 
• Excellent analytical, verbal and written communication skills.
• Experience independently executing quality, timely compliance management system components. 
• Ability to develop solutions and advise on  issues, with minimal oversight from your leadership team.
• A creative mind for finding solutions that ensure the best experience for our members.
• 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.

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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