Software Engineer, Risk: Identity, Suspensions, & Closures

Chime Engineering is growing rapidly as we scale to meet the financial needs of our members. We’re looking for driven engineers to help evolve our risk platform and architecture, enabling deeper insights into and stronger protections for our members. As part of our Trust and Safety Engineering team, you’ll partner with cross-functional teams like Data, Risk Operations, and Compliance to design and build core systems. You’ll work across the stack—from evolving our API architecture to building microservices that power key domains—to deliver a secure, seamless, and frictionless experience for our members.

The base salary offered for this role and level of experience will begin at $133,000.00 and up to $184,000.00. 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.

• Write clean, efficient, well-tested backend code, and jump in on the occasional frontend or mobile feature.
• Set up monitoring and dashboards so we catch issues before members do.
• Team up across Engineering to solve complex, multi-domain problems.
• Partner with Risk, Compliance, Data, Analytics, and Product to ship features that strengthen protection and improve the member experience.
• Balance independence with collaboration to deliver high-quality work on tight timelines.
• Work out of our office in downtown Chicago.

• 3+ years building production software at scale
• Based in the Chicago area, or willing to relocate
• Experience with Ruby on Rails or comparable frameworks
• Experience with transactional databases and caching systems
• Exposure to architectural patterns of large, high-scale web applications
• A commitment to maintainable, well-tested code
• Curiosity and a drive to understand how things work at the deepest level
• Clear communication and effective collaboration across teams
• Low ego, high empathy, and strong stakeholder partnerships
• Energized by Chime's mission and our members, and eager to take on complex, ambiguous problems

#LI-AC1 #LI-Hybrid

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.