Senior AI/ML Engineer, Chime
$176.5-245.1k
+ Bonus and equity
More information about location
4+ days a week in office
Mobile banking for the everyday person
Be an early applicant
Mobile banking for the everyday person
1001+ employees
Be an early applicant
$176.5-245.1k
+ Bonus and equity
More information about location
4+ days a week in office
1001+ employees
Company mission
To make financial peace of mind a reality for millions of everyday people.
Role
Who you are
- 5–7+ years of experience in AI/ML engineering or applied data science, with a track record of deploying production-grade ML systems
- Proven expertise in designing and scaling ML pipelines, including feature engineering, model training, deployment, and monitoring in production
- Strong knowledge of AI/ML methods - spanning both traditional approaches (e.g., tree-based models, logistic regression) and modern techniques (e.g., deep learning, graph-based ML, transformer-based architectures) - with the ability to apply the right method to fraud and risk detection problems
- Experience working with large language models (LLMs) (e.g., GPT, LLaMA, Claude) and related techniques such as fine-tuning, prompt engineering, or retrieval-augmented generation (RAG)
- Hands-on experience with unstructured data processing (e.g., text, images, documents). Familiarity with vector databases (e.g., FAISS, Pinecone) is a plus
- Proficiency in Python and SQL, with experience using distributed computing frameworks to build scalable AI/ML pipelines
- Hands-on experience with cloud platforms (AWS preferred), modern data stores (SQL and NoSQL), and the broader ML/data infrastructure stack - including orchestration tools (e.g., Sagemaker, Airflow, Kubeflow), streaming platforms (e.g., Kafka, Kinesis), containerization/serving frameworks (e.g., Docker, Kubernetes), and monitoring/observability tools for production ML
- Strong collaboration skills and experience working closely with product, risk operations, and engineering partners to deliver AI/ML solutions aligned with business needs
- A track record of mentoring peers, setting technical standards, and influencing cross-functional stakeholders to raise the bar for AI/ML practices
What the job involves
- As a Senior AI/ML Engineer, you will play a pivotal role in protecting our members and the platform from fraud, abuse, and financial risk
- You’ll take end-to-end ownership of building and deploying AI/ML systems that protect critical financial activities and ensure a secure, reliable experience for our members
- Beyond model development, you’ll partner with product managers, risk investigators, and engineers to design holistic solutions that balance fraud mitigation with a seamless member experience
- This role goes beyond individual model building - you’ll help shape the infrastructure, tooling, and standards that accelerate AI/ML development across the Trust & Safety organization
- You’ll have the opportunity to apply advanced techniques such as deep learning and generative models to proactively detect emerging risks and new attack vectors, ensuring Chime remains resilient against evolving threats
- You’ll also be expected to mentor peers, influence cross-functional stakeholders, and drive excellence in AI/ML practices throughout the organization
- Own the full ML lifecycle - design, build, deploy, and maintain production-grade models, ensuring scalability, performance, and reliability
- Work with diverse data types - analyze large structured and unstructured datasets to extract insights and identify opportunities for AI/ML applications
- Apply advanced AI/ML techniques - leverage approaches such as deep learning, generative AI, traditional ML, or anomaly detection to solve high-impact business problems
- Drive measurable outcomes - translate model insights into tangible business value by partnering with product managers, engineers, and business stakeholders
- Shape technical practices - define and advocate for best practices in model development, deployment, and monitoring to raise the quality bar across teams
- Contribute to the ML community - mentor peers, share knowledge, and foster collaboration across the organization to strengthen the AI/ML ecosystem
Our take
Chime is part of the growing realm of fintech banks and providers, emphasizing straightforward, cost-effective banking solutions. It cuts the expenses tied to basic bank accounts and provides users with greater autonomy in managing their finances.
In contrast to many traditional banks that levy steep fees and hefty penalties for overdrafts while offering meager interest rates on savings, Chime addresses a crucial gap in the banking sector. Its primary focus is on catering to individuals with modest savings who seek the convenience of automated digital banking.
With a remarkable ascent in its trajectory, Chime's current valuation stands at $25.5B, a staggering $23.5B surge from its early 2019 valuation, underscoring its impressive and swift expansion. However, competition remains fierce, with other neobanks like Ally offering similar features and vying for the same customer base.
Freddie
Company Specialist at Welcome to the Jungle
Insights
0% employee growth in 12 months
Company
Funding (last 2 of 9 rounds)
Aug 2021
$750m
SERIES G
Sep 2020
$485m
SERIES F
Total funding: $2.0bn
Company benefits
- Physical: We believe in taking care of your physical health, so as a Chimer you’ll get medical, dental, and vision insurance, as well as benefits to support your physical activity, family planning, and all of your little Chimers
- Emotional: We know that staying healthy involves a lot more than doctor’s checkups. We partner with Modern Health to help you navigate your mental health, give monthly Take Care of Yourself Days, and want you to take time off when you need it
- Financial: We want Chimers to save and feel financially supported, so we offer savings plans with competitive matching, as well as access to financial planning and legal assistance so that you can find your financial peace of mind
- Social: We’ll celebrate your milestones together with travel stipends, swag, and high-fives and make sure you’re connected to fellow Chimers through our Chime Resource Groups (CRGs) and company events
Company HQ
Nob Hill, San Francisco, CA
Leadership
Chris Britt
(Co-Founder & CEO)Chris worked as an Accenture Management Consultant for 4 years before roles at CMGI, Comscore Networks, and Visa. They left their position as an SVP of Corporate Development at Green Dot Corporation to co-found Chime in November 2012.
Ryan King
(Co-Founder)Ryan worked at Plaxo for 8 years, first as Lead Engineer and then working their way up to VP of Engineering & COO. They went on to be CTO & Vice President at Comcast Silicon Valley Innovation Centre before co-founding Chime.
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