Product Manager, Transaction Risk Decisioning

Chime

Confirmed live 2 days ago High trust
Hybrid

Quick summary

Work type
Hybrid
Location
Chicago, ILSan Francisco, CA
Salary
$183,000–$205,000 / yr
Posted
32 days ago
Freshness
Confirmed live 2 days ago

Market check

Salary context

Competitive pay

How this pay compares to similar roles

Similar $200k
This role $194k
$154k most similar roles pay here $243k

This role pays less than 51% of similar roles. Most pay $175,750–$224,250 — the shaded band above. At the midpoint, this role pays about $194k versus about $200k for comparable roles.

Based on 240 similar postings.

Employer

About Chime

Chime is a financial technology company offering mobile-first banking services including fee-free checking accounts, savings accounts, and a secured credit builder card through partner banks. Industry: Financial Technology & Neobanking

Chime currently has 35 open roles on FindRole.

Most-posted roles

View all roles at Chime

At a glance

TL;DR · Product Manager, Transaction Risk Decisioning

2026 - Product Manager, Transaction Risk Decisioning joins the Trust & Safety team to lead product strategy and execution for transaction risk decisioning systems. This role involves building real-time decisioning engines and user experiences for card payments, peer-to-peer transfers, and bank transfers. The primary goal is to reduce fraud loss while improving authorization rates and making risk outcomes more transparent for members. You will collaborate with engineering, analytics, data science, and compliance teams to improve the quality of risk signals and design safer safeguards for new financial products. Key requirements include deep expertise in payments risk, including Visa and Mastercard rules, and a strong understanding of card networks and authorization codes. The role requires proficiency in machine learning and AI methodologies to solve complex problems regarding purchase volume, transaction declines, and fraud prevention across various money movement rails.

What does a Product Manager earn in Illinois?

Median $184750 from 36 postings across 9 companies.

See salary data

What you'll do

  • Develop strategies to reduce transaction declines and increase purchase volume authorization rates.
  • Launch new controls to mitigate emerging fraud patterns across various money movement rails.
  • Redesign risky decline flows to ensure good members can successfully recover while blocking bad actors.
  • Collaborate with cross-functional teams to improve the quality of risk signals in decision checkpoints.
  • Partner with support teams to make complex risk outcomes understandable and actionable for members.
  • Design safeguards, fallbacks, and monitoring systems to launch new financial products safely.
  • Translate complex risk and platform challenges into clear product strategies and execution plans.

What we're looking for

  • 5+ years of experience as a Product Manager.
  • Deep expertise in payments risk including card networks, transaction rules, dispute frameworks, and decline codes.
  • Proven ability to think strategically about purchase volume and authorization rates to connect decisioning logic to revenue outcomes.
  • Track record of providing thought leadership to solve complex problems and building alignment across cross-functional teams.
  • Strong product mindset with the ability to translate complex risk and platform challenges into clear strategy.
  • Experience operating in systems with significant policy, operational, and data dependencies.
  • Ability to engage fluently across member journeys, policy behavior, experiment design, and platform capabilities.
  • Strong analytical skills and experience applying machine learning and AI methodologies.

More like this

Similar roles

Principal Product Manager, Risk & Fraud

Circle

Remote (San Francisco, CA) +23 4 days ago $200,000$260,000
Blockchain Crypto AML KYC KYB SQL AI ML SNS SQS GitHub Event-driven Architecture
10+ yrs exp Remote

Staff Product Manager, Ads Safety

Reddit

Remote 52 days ago $217,000$303,900
Machine Learning AI Data Pipelines Automation Product Management Fraud Prevention Risk Systems Compliance Agile Systems Thinking
6+ yrs exp Remote

VP Product Manager, Wealth Services

State Street

Clifton, NJ 31 days ago $125,000$226,250
Agile Workflow Automation Digital Servicing Risk Management Compliance Client Experience Enterprise Software
6+ yrs exp Hybrid

Product Manager, Third-Party Risk Management

Applied Materials

Austin, TX +1 66 days ago $108,000$148,500
OneTrust ServiceNow GRC SaaS APIs Data Orchestration Product Management Roadmap Backlog Reporting Analytics Dashboards Risk Management Compliance Frameworks Procurement Technology
3+ yrs exp