Business Control Manager

Location: Chicago, IL, USA; New York, NY, USA; San Francisco, CA, USA About the Role We are hiring a Business Control Manager to join Chime's Compliance Business Control Management team. You will own the control strategy, business relationships, and results for the Membership, App and AI Experience, and Trust and Safety portfolios. Working with the Enterprise BCM Lead and business partners, you will translate new initiatives, existing business activities, regulatory requirements, incidents, and other changes into clear control outcomes and practical plans. This is an individual contributor role for someone who can move comfortably between strategy and delivery. You will assess current control coverage, lead material control decisions and implementation work within your portfolios, and ensure controls are validated, documented, and maintained. Business and control owners remain responsible for implementing and operating their controls; you will provide the structure, challenge, and partnership needed to produce durable results. You will also contribute across the Enterprise BCM team by supporting Enterprise work when priorities and capacity require it, and by helping identify shared exposure themes and common control approaches across portfolios. In This Role You Can Expect To Own the control strategy and coverage view for assigned portfolios, using business activities, regulatory requirements, existing controls, gaps, and dependencies to set priorities. Evaluate new initiatives and the existing environment through reviews of process or product changes, incidents, complaints, findings, and current control practices. Determine whether controls should be reused, enhanced, created, consolidated, or retired. Lead control design and implementation with business and control owners, establishing clear objectives, scope, ownership, evidence, exception handling, delivery plans, and closure criteria while keeping control ownership and operation with the business. Assess control readiness, coordinate owner attestations, and determine whether controls meet the agreed validation criteria. Arrange an independent reviewer when your involvement in implementation requires additional separation. Lead control responses to incidents, issues, complaints, and findings by connecting root causes to control gaps, establishing remediation expectations, and confirming affected controls are revalidated before closure. Maintain reliable control records and use coverage, implementation, validation, and exception data to identify recurring themes, recommend shared approaches, and communicate results and remaining exposure to leadership. Build strong relationships across business, product, engineering, operations, legal, compliance, risk, and data teams, and support bank partner reviews, audits, examinations, and other assurance activities. To Thrive in This Role You Have 7 or more years of experience in business controls, regulatory compliance, operational risk, audit, or a related discipline within financial services, fintech, or another highly regulated environment. Experience independently owning a complex portfolio or control environment, setting priorities, leading cross-functional decisions, and moving work from assessment through validated and documented closure. Demonstrated ability to evaluate business activities and control coverage, distinguish control gaps from documentation or mapping gaps, and develop practical responses. Hands-on experience designing or enhancing controls with business, product, engineering, operations, or data teams and defining the evidence needed to demonstrate that controls operate as designed. Sound knowledge of consumer financial protection and regulatory risk, including EFTA and Regulation E, TILA and Regulation Z, UDAAP, or comparable frameworks. Strong judgment, influence, and communication skills, including the ability to challenge senior partners constructively, work through competing priorities, translate complex requirements, and identify when leadership escalation is needed. Strong execution and organization skills, including managing multiple workstreams, dependencies, decisions, exceptions, and control records within a GRC platform or comparable system of record. #LI-LB1 #LI-Onsite Below is the base salary offered for this role and level of experience. Full-time employees may also be eligible for bonus(es), competitive equity, and benefits. For commissioned roles, the base salary listed in this job description does not include incentive/variable pay. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience. Wage Notice $127,000 — $175,000 USD 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. 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees. ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life. 🏝 Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents 👪 Access to family planning reimbursement 💚 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. 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: accommodations@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 .