About the role

We are hiring a Fair Lending Lead to join our Business Advisory team to support the exciting products and services at Chime, with a focus on fair lending and fairness. As a Fair Lending Lead, you will support new and existing Chime product development by advising product, marketing, credit risk, and DS/ML teams on compliance, risk, and control development and strategies for fair lending and fairness compliance. You will monitor the evolving regulatory landscape and advise on enhancements to existing Chime products, services, and models to remain fair and responsible as they continue to scale.

The base salary offered for this role and level of experience will begin at $130,050 and up to $180,600. 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

• Support the maintenance, enhancement, and execution of the fair lending compliance program, including governance, policies and procedures, advisory frameworks, risk assessment, and testing
• Perform ongoing reviews of consumer complaints, marketing & advertising, loan documentation, and all applicable consumer-related forms for fair lending and fairness risks
• Evaluate proposed business change to ensure compliance with applicable fair lending-related laws and regulations
• Drive corrective actions taken to address fair lending issues, including assisting with the implementation of remediation, conducting follow-up reviews to determine the adequacy, and effectiveness of the action taken
• Establish and maintain strong relationships with internal and external stakeholders.

To thrive in this role, you have

• 6+ or more years of experience in banking, credit, lending, or equivalent experience in product compliance, with at least 3+ years working in ECOA and UDAAP compliance. Fintech experience is a plus.
• Demonstrated knowledge of key regulations including but not limited to ECOA, UDAAP and other consumer protection regulations
• Experience in advising product, marketing, machine learning teams on issues related to ECOA and UDAAP compliance.
• 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 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.
• Experience working with statistics, analytics, and other technical tools is a plus.

A little about us

At Chime, we believe that everyone can achieve financial progress. We’re passionate about developing solutions and services to empower people to succeed. Every day, we start with empathy for our members and stay motivated by our desire to support them in ways that make a meaningful difference.

We created Chime—a financial technology company, not a bank*-- founded on the premise that basic banking services should be helpful, transparent, and fair. Chime helps unlock the access and ability our members need to overcome the systemic barriers that block them from moving forward. By providing members with access to liquidity, rewards, and credit building, our easy-to-use tools and intuitive platforms give members the ability to have more control over their money and to take action toward achieving their financial ambitions.

So far, we’re well-loved by our members and proud to have helped millions of people unlock financial progress, whether they started a savings account, bought their first car or home, opened a business, or went to college. Every day, we’re inspired by our members’ dreams and successes, big and small.

We’re uniting everyday people to unlock their financial progress—will you join us?

*Chime partners with The Bancorp Bank and Stride Bank, N.A., Members FDIC, that power the bank accounts used by Chime Members.

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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