About the role
Chime's 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.
You'll 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 $125,000.00 and up to $173,000.00. 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.
In this role, you can expect to
- Contribute to the design and implementation of training pipeline components for AI/ML models that support Chime's 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.
To thrive in this role, you have
- 1-2 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.
Nice to have
- 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
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.
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.
- In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit.
- Competitive salary based on experience.
- 401k match plus great medical, dental, vision, life, and disability benefits.
- Generous vacation policy and company-wide Chime Days.
- 1% of your time off to support local community organizations of your choice.
- Annual wellness stipend.
- Up to 24 weeks of paid parental leave for birthing parents and 12 weeks for non-birthing parents.
- Access to Maven, a family planning tool, with $15k lifetime reimbursement.
- In-person and virtual events to connect with your fellow Chimers.
*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. Chime is proud to be an Equal Opportunity Employer.