What are the responsibilities and job description for the Senior Lead Product Counsel position at Chime?
About The Role
At Chime Financial, we are reinventing how people bank. We are seeking a Senior Lead Product Counsel with deep financial services expertise to join our Product and Payments Legal team. This is a strategic role for an experienced legal professional who enjoys working with a variety of financial regulations and complex product counseling matters.
You will be a key legal advisor to senior leadership, working cross-functionally with product, marketing, compliance, engineering, and operations teams to support Chime’s mission to deliver innovative, customer-focused financial products. Your work will involve advising on legal risks, supporting regulatory compliance, and enabling scalable growth in a fast-paced environment.
This role requires exceptional legal acumen, strategic thinking, and strong leadership capabilities. You will play a pivotal role in shaping Chime’s product strategy while navigating the evolving regulatory landscape. The position is based in San Francisco, Chicago, New York, or Washington, DC.
The base salary offered for this role and level of experience will begin at $193,860 and up to $274,700. 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
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?
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.
LI-BE1
At Chime Financial, we are reinventing how people bank. We are seeking a Senior Lead Product Counsel with deep financial services expertise to join our Product and Payments Legal team. This is a strategic role for an experienced legal professional who enjoys working with a variety of financial regulations and complex product counseling matters.
You will be a key legal advisor to senior leadership, working cross-functionally with product, marketing, compliance, engineering, and operations teams to support Chime’s mission to deliver innovative, customer-focused financial products. Your work will involve advising on legal risks, supporting regulatory compliance, and enabling scalable growth in a fast-paced environment.
This role requires exceptional legal acumen, strategic thinking, and strong leadership capabilities. You will play a pivotal role in shaping Chime’s product strategy while navigating the evolving regulatory landscape. The position is based in San Francisco, Chicago, New York, or Washington, DC.
The base salary offered for this role and level of experience will begin at $193,860 and up to $274,700. 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
- Serve as a senior legal advisor on complex product development initiatives, working closely with product, engineering, and business teams from ideation to launch.
- Provide expert legal guidance on lending, credit, deposits, and financial technology products, ensuring compliance with federal and state laws.
- Act as a thought leader on regulatory matters, including consumer protection, bank partnerships, and financial compliance requirements.
- Lead and manage relationships with outside counsel, ensuring efficient and effective legal representation.
- Develop and implement regulatory strategies to support innovative products.
- Proactively identify legal risks and provide strategic solutions.
- 8 years of legal experience, with a mix of law firm, government, and/or in-house experience.
- Deep expertise in financial services regulations, including knowledge of fintech, bank partnerships, and product counseling.
- Prior experience advising on banking-related products through the full product lifecycle, including partnerships with banks or financial institutions.
- Strong ability to assess legal risks and translate them into clear, actionable business recommendations.
- Exceptional leadership, communication, and stakeholder management skills.
- Strategic thinker with a practical, business-oriented approach to problem-solving.
- Experience managing outside counsel effectively and efficiently.
- J.D. from an accredited law school and bar membership in good standing.
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.
- 🏢 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 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.
LI-BE1
Salary : $193,860 - $274,700
