Commercial Counsel

About the role

We are hiring a Commercial Counsel for our legal team. In this role, you will be a partner to the business on general commercial matters and will negotiate the contracts that contribute to Chime’s success – from our biggest deals, to the bread and butter contracts that companies need to operate. You have outstanding professional judgment and excellent communication, interpersonal, negotiation, and drafting skills. You have the ability to anticipate and deliver on the needs of a dynamic and creative business, are eager to work with cross-functional teams, have the flexibility to manage a wide range of projects, and are comfortable advising senior business leaders. You are located within commuting distance to one of our hubs: San Francisco, Chicago, or New York City.

In this role, you can expect to:

• Work closely with the business to provide strategic guidance and negotiate, draft and review a broad range of commercial agreements, including SaaS agreements, strategic partnership agreements, NDAs, marketing agreements (e.g. talent agreements, production services agreements, Ad-Tech agreements), technology vendor contracts, and professional services agreements

• Use AI tools as a regular part of your work, including for drafting, contract review, research, and summarization, while applying sound legal judgment to verify and refine the output

• Proactively work to streamline and improve current processes and procedures, such as by creating templates and developing legal trainings and playbooks

• Build and refine AI-enabled workflows and processes that help the legal team and the business work faster and more efficiently

• Develop strong, collaborative relationships cross-functionally and within the legal team, including with subject matter experts in intellectual property, security, and privacy

• Escalate issues, as appropriate, to other legal team members and collaboratively share potential risks and proposals with the executive team

To thrive in this role, you have:

• A J.D. and active membership in at least one state bar

• 2-5 years of combined law firm, government, and/or in-house experience

• Experience (and maybe even a strong fondness for) drafting, reviewing, and negotiating complex commercial agreements

• Genuine excitement about using AI to build processes that make our work more efficient, along with a willingness to experiment, iterate, and share what you learn with the team

• Comfort using AI tools in your day-to-day work and a commitment to doing so responsibly, including an awareness of confidentiality, privilege, and accuracy considerations

• Practical business judgment and problem-solving skills to be able to quickly understand the business’ needs, provide strategic guidance, and craft creative solutions

• A willingness to dig deep into the subject matter of an agreement

• A track record of success in handling complex business and legal issues

• The ability to work collaboratively and develop positive relationships with internal partners and external stakeholders

• Excellent organizational skills, with the ability to manage multiple priorities under tight deadlines while maintaining a positive attitude

• Familiarity with fintech, technology, banking, or financial services companies (a plus, but not a requirement)

#LI-Onsite #LI-LB1

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

$152,000—$210,000 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.