Processor Operations Manager

About The Role

Chime is looking for a Processor Operations Manager to join the Processor and Platform Operations team to operate our core platform capabilities, including card payment processing systems, ACH and other interbank processing and reconciliation systems. The Processor and Platform team’s mission is to empower the development of a member-obsessed Chime experience by strengthening and expanding our proprietary Financial Platform - an operating system for processing all forms of money movement and developing financial software. You will help drive efficiency to ensure these financial capabilities are able to deliver on their 24x7 promise. This position will report to the Director of Processor and Platform Operations.

The base salary offered for this role and level of experience will begin at $140,670 and up to $195,400. 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

• Join a new team of transaction operations managers
• Contribute to the department’s development and implementation of best practices in the areas of payment systems processing, reconciliation operations, and operational policies & procedures
• Develop, implement and perform cash reconciliations for ensuring accurate processing and settlement
• Evaluate processing controls for completeness and accuracy
• Provide operational expertise towards diagnosing, troubleshooting and resolving issues related to Chime’s core banking solutions, payment processing, reconciliation and settlement activities
• Use data to monitor processing performance and identify areas of improvement
• Drive continuous improvement and operational resiliency
• Promote tooling solutions that address internal reporting requirements
• Collaborate cross-functionally with technical and product leaders on our platform teams to set strategic priorities that reduce operational risk and improve efficiency, productivity, and performance
• Partner with internal and external teams to ensure compliance with regulatory, audit and payment network requirements
• Use your subject matter expertise and experience to help influence how things are done and improve efficiency & efficacy
• Advocate for change and innovation across the enterprise
  
  

To thrive in this role, you have

• 3 years in bank and/or payment operations with a broad understanding of operations; including accounting, funds flow, settlement, processing, etc.
• A strong reconciliation background
• An understanding of the end-to-end payments ecosystem, including payment methods, card networks, issuer processing, and the regulatory environment
• An understanding of ACH originations, returns, settlements and everything in between, AAP certification is a huge plus
• Familiarity with network operations including Visa, Mastercard, PLUS, and Star, as well as with network vendors that facilitate AFT/OCT payments and other forms of card-based money movement
• Strong analytical and problem solving skills
• Extensive experience with Google Office (Sheets, Docs and Slides), analytics platforms (Looker, Snowflake), SQL, core banking systems and related products.
• Experience working cross functionally with Product, Accounting, Compliance, Legal, Risk & Engineering to identify, evaluate and size opportunities and prioritize work
• Experience driving continuous improvement projects, where you’ve applied deep knowledge to uncover and execute both short term and long term optimizations
• A desire to create new processes and are comfortable with ambiguity
• Ability to thrive in a fast-paced environment
• Strong team player attributes and are an effective collaborator
• A member obsessed mindset, eager to learn and improve the user experience
• The drive to deploy processes and playbooks so that we can all sleep well at night or make suggestions to improve them so we can all sleep even better at night
• A curious and creative problem solving ability - can facilitate resolution of issues in a timely manner by working cross-functionally with product and engineering teams
• Excellent business acumen, communication skills and a self-starting attitude
  
  

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.