Job Specifications
About The Role
Chime's AI/ML team is building models, services, and platforms that transform how millions of users manage and grow their financial lives. We're looking for a Senior AI/ML Engineer with deep expertise in production-grade deep learning systems--someone who thrives at the intersection of cutting-edge research and real-world impact.
As a Senior AI/ML Engineer, you'll play a pivotal role in protecting our members and platform from fraud, abuse, and financial risk. You'll take end-to-end ownership of building, deploying, and scaling deep learning systems that ensure a secure, seamless experience for our members. Beyond individual model development, you'll partner with stakeholders across Risk, Product, and Engineering to create holistic solutions that balance fraud mitigation with trust and usability.
You'll also help define the infrastructure, tooling, and standards that enable rapid, reliable deployment of advanced models--while mentoring teammates and influencing AI/ML best practices across the organization.
The base salary offered for this role and level of experience will begin at $176,490 and up to $245,100. 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
Own the full ML lifecycle: design, train, deploy, monitor, and iterate on deep learning models in production environments.
Deliver robust, scalable ML systems that proactively detect and mitigate fraud, abuse, and financial risks.
Analyze large-scale structured and unstructured datasets to surface patterns and power AI/ML applications.
Apply advanced deep learning techniques--including transformer-based models and generative architectures--to tackle high-risk, high-impact problems.
Partner with Product Managers, Engineers, and Risk teams to convert model insights into real-world member impact.
Shape the infrastructure, standards, and tooling that enable faster, safer ML deployment across the organization.
Mentor engineers, lead design discussions, and champion a culture of technical excellence in deep learning.
To thrive in this role, you have
5+ years of experience in ML engineering, with a strong track record of building and deploying deep learning systems in production. This includes designing, training, and scaling neural network models--especially transformer-based architectures--into reliable services.
Proven expertise in deep learning frameworks (e.g., PyTorch, TensorFlow) and operationalizing models on cloud-native infrastructure (e.g., AWS, Docker, Kubernetes).
Experience with unstructured data (e.g., text, images, documents) and vector databases (e.g., FAISS, Pinecone).
Proficiency in Python and SQL, and experience using distributed compute frameworks (e.g., Spark, Ray, Airflow).
Familiarity with LLMs (e.g., GPT, LLaMA, Claude) and modern techniques such as fine-tuning, prompt engineering, and retrieval-augmented generation (RAG) is a plus.
A systems mindset--balancing model quality, latency, monitoring, and maintainability for long-term success.
Strong cross-functional collaboration skills, with the ability to translate technical efforts into measurable business value.
A track record of mentoring peers, setting technical standards, and scaling deep learning best practices.
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