Job Description
About the role
At Chime Financial, we are reinventing how people bank. We are seeking a Lead Product Counsel with financial services experience to join our Product and Payments Legal team - someone who enjoys dealing with a variety of financial regulations. We are looking for someone who can provide product counseling on financial product and brand marketing campaigns, growth initiatives, along with lending, credit, and deposits products on our Chime Legal team in San Francisco. You will work closely with product, marketing, compliance, engineering, risk and operations teams to support the company’s efforts to deliver innovative and customer-focused marketing campaigns and products, while managing legal risks, ensuring regulatory compliance, and enabling scalable growth.
The role requires good judgment, succinct communication, and excellent relationship-building skills. This is an important role with an opportunity to join a close-knit legal team at a growing company, and work on cutting edge issues in an exciting, fast-paced environment. We are a hybrid office in San Francisco, and will also consider applicants for the Chicago, IL, Washington, DC, or New York, NY offices.
The base salary offered for this role and level of experience will begin at $168,570.00 and up to $238,900.00. 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
- Partner with cross functional teams to understand product, engineering, design, and operational implications of new marketing campaigns, products or features, and educate our teams on developments associated with the financial services industry, bank partnerships, and various new business initiatives
- Review new marketing campaigns, consumer incentives, products and features from early stages of development through launch by assessing legal risks while providing practical legal and compliance advice
- Provide timely, concise, and business-focused legal advice on applicable federal and state laws that affect our marketing and product offerings
- Remain up to date on relevant industry, consumer protection, and other applicable laws and regulations
- Engage and manage outside counsel to represent Chime effectively and efficiently
- Work collegially and supportively with other members of a high-functioning legal team and cross-functional teams
To thrive in this role, you have
- 5+ years of combined law firm, government, and/or in-house experience
- Familiarity with product counseling, the financial technology industry, and/or legal issues related to fintechs, banks, and bank partnership programs
- Prior experience counseling on banking-related products through the entire product lifecycle and/or experience working closely with product management, design, risk, and marketing teams
- Ability to assess a legal issue, understand its implications, and communicate succinctly with teammates and stakeholders
- Ability to use outside counsel strategically and efficiently
- Demonstrated ability as an organized, detailed oriented team-player, with a curiosity and willingness to take on any project no matter how big or small
- JD from an accredited law school and you are a member of a US state bar in good standing.
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 core banking services should be helpful, easy, 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 for our full-time, regular employees
- 🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.**
- 💻 In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute**
- 💰 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**
**Perks also available to Chime Interns.
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.
Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: benefits@chime.com.
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.
Skills & Requirements
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