AIML Engineer

Chimes AI/ML Trust & Safety team is building models insights and decisioning systems that help protect millions of members while enabling safe reliable financial progress. We are looking for an AI/ML Engineer who is growing strong technical depth in machine learning experimentation and analytical problem solving with an interest in applying those skills to trust safety and risk challenges across Chime.

Youll contribute to end-to-end model development analysis and production-facing decision systems with guidance from senior team members. Your work will help improve how Chime detects risk understands member behavior evaluates tradeoffs and scales trustworthy member experiences. This role is a strong opportunity to build deeper expertise in applied ML risk systems experimentation generative AI sequence models and cross-functional product impact in a high-scale environment.

The base salary offered for this role and level of experience will begin at$125000.00 and up to $173000.00. 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.

• Contribute to the design and implementation of training pipeline components for AI/ML models that support Chimes risk decisioning systems.
• Develop test and iterate on model features within clear requirements and with support from senior team members.
• Support offline model evaluation and contribute to online experiment analysis to understand performance tradeoffs and member impact.
• Write modular testable and maintainable code following engineering best practices.
• Collaborate with Product Managers Engineers and Risk teams to translate model findings into clear recommendations and measurable member impact.
• Contribute to production-facing model workflows including model training tuning inference and monitoring.
• Contribute to projects that apply modern AI/ML methods such as generative AI sequence models and automation workflows to improve Risk decisioning.

• 12 years of experience in applied data science or AI/ML engineering including relevant internship academic or project experience.
• Working knowledge of machine learning fundamentals including feature development model training validation tuning and evaluation.
• Familiarity with cloud platforms preferably AWS orchestration tools and version control.
• Familiarity with offline model evaluation experimentation and model performance tradeoffs.
• Ability to communicate analyses and model findings clearly clarify requirements and collaborate effectively with technical and non-technical partners.

• Exposure to production ML workflows including inference monitoring retraining orchestration model deployment.
• Experience using AI-assisted development tools such as Cursor Claude Code or similar tools.
• Exposure to deep learning methods such as embeddings sequence models representation learning or behavioral modeling.

#LI-GC1#LI-Hybrid

At Chime we believe that everyone can achieve financial progress. We created Chimea 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 its starting a savings account purchasing a first car or home launching a business or pursuing higher education were proud to have helped millions unlock their financial potential.

Were 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 owners 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 peoples trustso we hold ourselves to the highest standards of integrity in everything we do. These arent just words on a wallour 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 dontwho 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.

• 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 youre coming in regularly or are part of our fully remote program youll stay engaged with your work and teammates.
• In-office perks including backup child elder and/or pet care plus a subsidized commuter benefit to support your regular commute
• 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 Chimersthink 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 know that great work cant be done without a diverse team and inclusive environment. Thats 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: .

To learn more about how Chime collects and uses your personal information during the application process please see theChime Applicant Privacy Notice.