Machine Learning Engineer - Digital Intelligence

Next Frontier Capital; Palo Alto (CA); On-site; USD 170,000 - 260,000; Full time

Benefits offered by this job

Health care coverage

Retirement savings plan

Tuition reimbursement

Mental health support

Equity incentives

Job summary

JPMorgan Chase is seeking a Machine Learning Engineer-Digital Intelligence to join the Consumer & Community Banking division in Palo Alto. You will specialize in large language models, optimization, interpretability, and related algorithms, operating where research meets engineering to deliver scalable, real-world products.

You will collaborate with software developers and deep learning experts to advance ML for financial data, improving model performance and reliability in production

Qualifications

• Master’s degree with 2+ years or Bachelor’s with 4+ years in Computer Science with ML/NLP focus.
• Deep LLM and Transformer expertise with attention mechanisms and multi-modal data handling.
• PyTorch at scale with distributed training frameworks and memory optimization.

Responsibilities

• Research and prototype next-gen architectures for structured and unstructured data.
• Develop pre-training objectives for financial event sequences and heterogeneous data.
• Implement research ideas in production-quality code.
• Mentor engineers on ML best practices and deployable systems.
• Optimize training throughput for large data sources.
• Collaborate with teams to design product use-case solutions.

Skills

LLM/NLP

Transformer

PyTorch

Production systems

Financial data

Recommendation systems

Education

Master’s in CS

Bachelor’s in CS

Tools

FSDP

DeepSpeed

Distributed training

Job description

Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We’re proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions – all while ranking first in customer satisfaction. In this role, you’ll apply strong technical judgment to choose the right approaches (including modern LLM-based methods where appropriate), evaluate performance with rigorous metrics, and ensure solutions are reliable, secure, and scalable in real-world environments. You’ll also contribute to improving data quality and feedback loops, monitoring models in production, and continuously iterating to reduce agent effort, shorten resolution times, and increase consistency and quality across operational workflows.

As a Machine Learning Engineer-Digital intelligence in the Consumer & Community Banking division, you will be collaborating with a high-caliber team of software developers and deep learning experts, and you will specialize in large language modeling, optimization, interpretability, and related algorithms.

The ideal candidate brings a strong software engineering foundation combined with hands-on, zero-to-one machine learning development experience. You will possess broad expertise in post-training machine learning models — including quality and performance optimization — alongside deep knowledge of large language models and modern deep learning techniques. Above all, you will have a demonstrated ability to operate at the intersection of research and engineering, turning promising ideas into scalable, real-world products within a fast-paced, collaborative environment.

Job Responsibilities

• Research and prototype next-generation architectures for structured and unstructured data

• Develop novel pre-training objectives tailored to financial event sequences and heterogeneous profile data

• Implement research ideas in production-quality code

• Mentor engineers on ML best practices; translate research advances into deployable systems

• Optimize training throughput for large data sources

• Collaborate with other teams to design solutions for product use cases.

Required qualifications, capabilities, and skills:

• - Master’s degree with 2+ years Or Bachelor's with 4+ years in Computer Science, with training and work experience in Machine Learning, LLM/NLP or similar fields.
• -Deep LLM and Transformer expertise — strong command of attention mechanisms, positional encodings such as RoPE, and the ability to handle multi-modal data inputs effectively.
• -PyTorch proficiency at scale — hands-on experience with distributed training frameworks including FSDP and DeepSpeed, alongside practical memory optimization techniques.
• -Foundation model training — proven experience in pre-training from scratch and designing tokens and vocabularies for complex, heterogeneous data sources including tabular, temporal, and graphical formats.
• -Strong software engineering skills — ability to build robust, production-quality systems that perform reliably at scale.
• -Prior experience with financial data and recommendation systems.

Preferred qualifications, capabilities, and skills:

• Publication record at top AI/ML venues.
• Experience optimizing serving infrastructure is a plus.
• Experience with post-training LLMs and network optimization algorithms, as well as interpretability or steering techniques for LLMs.
• Experience working with large-scale compute infrastructure.
• Experience shipping a real-world product, project, or feature.
• Experimental rigor and ablation design when benchmarking LLM optimizations.
• Strong communication and accountability skills, with a collaborative mindset and strong work ethic.

“This position is subject to Section 19 of the Federal Deposit Insurance Act.”
“As such, an employment offer for this position is contingent on JPMorganChase’s review of criminal conviction history, including pretrial diversions or program entries.”

Chase is a leading financial services firm, helping nearly half of America’s households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

Equal Opportunity Employer/Disability/Veterans

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We’re proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions – all while ranking first in customer satisfaction.

The CCB Data & Analytics team responsibly leverages data across Chase to build competitive advantages for the businesses while providing value and protection for customers. The team encompasses a variety of disciplines from data governance and strategy to reporting, data science and machine learning. We have a strong partnership with Technology, which provides cutting edge data and analytics infrastructure. The team powers Chase with insights to create the best customer and business outcomes.

Come join us in reshaping the future!