Machine Learning Engineer

Coinflow is the next-generation payment service provider revolutionizing global financial infrastructure with stablecoins, AI-driven fraud prevention, and instant settlement. Coinflow enables businesses to grow faster with instant settlement, fraud & chargeback indemnity, global pay-ins, multi-currency FX, and unified payouts. Founded in 2023, the company serves marketplaces, fintechs, remittance providers, gaming platforms, and ecommerce merchants worldwide.

Since our seed round in 2024, we’ve achieved 23x revenue growth and scaled to multi-billion-dollar annual transaction volume. In response to this growth, Coinflow announced a $25M Series A in October 2025—led by Pantera Capital, CMT Digital, Coinbase Ventures, Jump Crypto, and Reciprocal Ventures—accelerating our mission to power the world’s fastest-moving businesses with innovative, reliable global payments.

Coinflow is proudly headquartered in Chicago, IL. Learn more at coinflow.cash.

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.

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  Build and evolve machine learning models and analytical systems that support platform decisioning and product intelligence

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  Establish the foundation for data and machine learning practices across the company

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  Define, own, and evolve core metrics across platform health, performance, and risk

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  Explore transaction and behavioral data to uncover patterns, signals, and new insights

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  Partner closely with Engineering, Product, and Operations to turn open-ended problems into real systems

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  Design how models and data systems are evaluated, improved, and trusted over time

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  Build internal workflows and tooling that support operational and product teams

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  Help shape Coinflow’s long-term data and machine learning roadmap

• 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

• 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