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.
#LI-Hybrid #LI-AA1
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 on a wall—our 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 don't—who 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.
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 depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll 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 Chimers—think 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**
**Perks also available to Chime Interns.
We know that great work can’t be done without a diverse team and inclusive environment. That’s 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: [email protected].
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.
Top Skills
What the Team is Saying
What We Do
Chime was created because we believe everyone can unlock financial progress, and we want to develop solutions and services to empower people to succeed. The premise upon which we started Chime is simple: basic banking services should be helpful, transparent, and easy. Our easy-to-use tools and intuitive platforms give members the ability to have more control over their money and to take action toward achieving their financial ambitions.
By designing a member-centric banking app with easy-to-understand financial tools, we’re creating a more competitive market with options for everyday Americans. We offer access to accounts with no overdraft fees, provide members the chance to receive their pay up to 2 days early* with direct deposit, help them build credit history, and build financial literacy to hit their goals—among many other things.
Since 2012, we’ve grown our team to more than 1500 Chimers across 3 offices. But more than that, we’ve expanded the products and services we offer to our members based on member feedback. And in doing so, we’ve disrupted the banking industry and changed the conversation for everyday people about money on a national level.
Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
*Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
Why Work With Us
Working at Chime means keeping our values in mind, putting our members first, and striving for long-term growth and success. To that end, we’re building an inclusive workplace where all perspectives and experiences are welcome on our team and creating an environment where every Chimer can thrive.
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Chime Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
We offer a thoughtful hybrid work policy that combines in-office days and trips to team and company-wide events depending on location to ensure you stay connected to your work and teammates, whether you’re local to one of our offices or remote.
