Machine Learning Engineer

About Coinflow Coinflow is a next-generation payments company headquartered in Chicago, pioneering the way money moves globally. We enable merchants and marketplaces to accept payment methods across 170+ countries with instant settlement, AI-driven fraud prevention, and blockchain-based proof-of-delivery. Backed by leading investors—including Pantera Capital, CMT Digital, Coinbase Ventures, Jump Capital, and Reciprocal Ventures—Coinflow recently raised a $25M Series A to accelerate our mission to modernize cross-border payments. Since our seed round in 2024, we’ve achieved 23x revenue growth and scaled to a multi-billion-dollar annual transaction volume run rate! Role Overview Coinflow is seeking a Machine Learning Engineer to help build the intelligence layer that powers our platform. This is a zero-to-one role. You will be the first dedicated ML hire and will own how data and machine learning are developed and applied across Coinflow. You’ll explore large-scale transaction and behavioral data, build models and analytical systems, define what success looks like, and embed intelligence directly into our products and internal tooling. The ideal candidate is deeply curious, excited to experiment, and motivated by building something that does not yet exist. Key Responsibilities Build and evolve machine learning models and analytical systems that support platform decisioning and product intelligence Establish the foundation for data and machine learning practices across the company Define, own, and evolve core metrics across platform health, performance, and risk Explore transaction and behavioral data to uncover patterns, signals, and new insights Partner closely with Engineering, Product, and Operations to turn open-ended problems into real systems Design how models and data systems are evaluated, improved, and trusted over time Build internal workflows and tooling that support operational and product teams Help shape Coinflow’s long-term data and machine learning roadmap Required Qualifications 4+ years of experience in machine learning, applied data science, or production ML roles Strong foundation in machine learning, statistics, and analytical problem solving Experience building models or data-driven systems that operate in real products Comfort working with ambiguous problems and creating structure where none exists Strong communication skills and experience collaborating cross-functionally High ownership mindset with genuine curiosity about messy, real-world data Preferred Qualifications Experience building decisioning, optimization, fraud, risk, or other payments systems Experience in fintech, payments, or other financial services environments Experience as an early data/ML hire at a startup Experience working with high-volume behavioral or financial data What We Offer Competitive compensation including base salary, performance bonus, and meaningful ownership Opportunity to build the fraud and risk intelligence layer of a rapidly scaling fintech company Collaborative and innovative work environment with world‑class investors Direct impact on core risk infrastructure and company trajectory during a hypergrowth phase Join the team rewriting how money moves worldwide—and become a driving force in the $194 trillion cross-border payments market. #J-18808-Ljbffr