AI/ML Engineer
About The Position
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.
Requirements
- 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 Haves
- 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.
Responsibilities
- 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.
Benefits
- Bonus
- Competitive equity package
- 401k match
- Medical, dental, vision, life, and disability benefits
- Generous vacation policy
- Company-wide Chime Days
- Company-wide paid days off
- 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
- 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
- Snack boxes
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
No Education Listed
