AI/ML Engineer

Job Overview Chime’s AI/ML Trust & Safety team builds models, insights, and decision‑making systems that protect members while enabling safe and reliable financial progress. We are seeking an AI/ML Engineer to help design, build, and deploy these systems. Key Responsibilities Contribute to the design and implementation of training‑pipeline components for AI/ML models that support risk decisioning. 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 applying modern AI/ML methods—such as generative AI, sequence models, and automation workflows—to improve risk decisioning. Required Qualifications 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 performance tradeoffs. Ability to communicate analyses and model findings clearly, clarify requirements, and collaborate effectively with technical and non‑technical partners. Preferred Qualifications Exposure to production ML workflows, including inference, monitoring, retraining, orchestration, and 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. Compensation Base salary ranges from $125,000 to $173,000, with additional bonus, equity, and benefits for full‑time employees. Salary may vary by location, skills, qualifications, and experience. Benefits Office work policy with flexible arrangements. Backup child, elder, and pet care support. Subsidized commuter benefit. Competitive salary based on experience. 401(k) match and comprehensive medical, dental, vision, life, and disability benefits. Generous vacation policy and company‑wide paid days off. Wellness stipend for eligible wellness expenses. Paid parental leave (up to 24 weeks for birthing parents, 12 weeks for non‑birthing parents). Access to a family‑planning tool with reimbursement for fertility treatments, egg freezing, and adoption. Equal Opportunity Employer 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 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 View email address on click.appcast.io. To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice. #J-18808-Ljbffr