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Fintech and consumer protection leader, Shara Chang joins Chime as Chief Compliance Officer

Chime Team • December 14, 2023

Shara Chang brings 15 years of financial services, consumer protection, and legal experience to Chime.

Chime is excited to welcome Shara Chang to the company as Chief Compliance Officer. Shara brings 15 years of financial services, fintech, and consumer protection experience to Chime. She’s previously advised banks and high-growth companies on regulatory compliance, risk management, and product development.


As Chief Compliance Officer, Shara will lead regulatory compliance across the company. She will help us continue to earn, maintain, and build trust with Chime’s constituents—members, bank partners, and regulators—as the company continues to deliver innovative products and disrupt the financial services industry. She will report to Adam Frankel, Chime’s General Counsel.

“We’re thrilled to welcome Shara Chang to the Chime team as our Chief Compliance Officer. Shara’s breadth of experience in fintech, consumer protection, and financial services make her the perfect person to ensure compliance remains a core element of our culture.”
– Adam Frankel, General Counsel


Prior to joining Chime, Shara served as Chief Legal Officer of proptech company Divvy Homes, where she oversaw legal, compliance, and HR. Before Divvy, she was General Counsel and Chief Compliance Officer at Peach Finance, led a privacy counseling team at Meta, and was the first Product Counsel at Affirm. In these roles, Shara handled legal and regulatory matters around pricing, marketing, underwriting, consumer experience, and more. Earlier in her career, Shara was in the financial institutions groups of Cleary Gottlieb and Buckley (now part of Orrick), where she advised fintechs, banks, credit agencies, and other financial companies on regulatory compliance and enforcement, conducted risk and readiness assessments for banks, built complaint programs, and assisted with fair lending best practices.


Shara has spoken extensively on compliance, fair lending, privacy, AI applications, marketing, and DEIB and co-authored a fair lending guide for bank directors. Shara earned her bachelor and masters degrees in Economics from Toronto Metropolitan University and York University, and her JD from Howard University School of Law.

“I look forward to advancing the great work already done at Chime to build a compliance organization that is committed to doing right by our members and partnering with the business to deliver meaningful financial services. I’m excited to see our team drive innovation while thoughtfully mitigating risk and bolstering our strong culture of compliance.”
– Shara Chang, Chief Compliance Officer



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