Senior Software Engineer, AI Enablement New San Francisco, CA, USA

Chime Enterprise; San Francisco, Northern (CA, KY); Hybrid; USD 164,000 - 227,000; Full time

Benefits offered by this job

In-office four days a week

Backup childcare, elder, and pet care

Subsidized commuter benefits

Health, financial, and wellbeing plans

Generous vacation and paid days off

Parental leave (paid)

Wellness stipend

Time off for community service

Family planning reimbursement

Job summary

Chime is seeking a Senior Software Engineer to join the AI Enablement team, building internal platforms, primitives, and guardrails to make AI a trusted co-pilot for employees. You will work on Archimedes, Bosun, and easyRAG, powering internal assistants, developer workflows, and retrieval-backed apps across the company.

You will partner with Platform Engineering, Security, Risk, Legal, and product teams to implement guardrails, golden path patterns, observability, cost management, and

Qualifications

• Significant experience as a software engineer building distributed systems, platform services, or internal developer tools.
• Hands-on experience with LLMs or ML services and shipping production-quality features.
• Ability to design reusable primitives, contracts, and paved roads for internal tools.

Responsibilities

• Build and evolve internal AI platforms and guardrails to enable safe, scalable AI across the company.
• Design reusable platform capabilities: APIs, SDKs, templates, and shared services.
• Prototype and productionize new AI capabilities and establish durable patterns.
• Define golden path patterns for LLM usage balancing velocity with safety and cost.
• Collaborate with Security, Risk, Legal, and product teams to implement guardrails.

Skills

Distributed systems

Platform services

LLMs / ML services

Production-grade software

Job description

As a Senior Software Engineer on the AI Enablement team, you will build the internal platforms, primitives, and guardrails that make AI a trusted co‑pilot for employees across Chime.

You’ll work on systems like Archimedes, Bosun, and easyRAG that power internal AI assistants, developer workflows, and retrieval‑backed applications. These platforms make it easier for teams across the company to build, adopt, and scale LLM‑powered tools safely and effectively.

This team defines Chime’s golden paths for AI: opinionated but flexible patterns that help teams move quickly while maintaining safety, reliability, cost control, and governance. In this role, you’ll help turn emerging AI capabilities into durable, reusable platform features that can be adopted across the company.

You’ll partner closely with Platform Engineering, Security, Risk, Legal, and product teams to build scalable, well‑governed systems that support internal AI use cases from early prototyping through production adoption.

The base salary offered for this role and level of experience will begin at $164,000.00 and up to $227,000.00. 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.

In this role, you can expect to

• Build and evolve internal AI platforms such as Archimedes, Bosun, and easyRAG, enabling teams to develop and scale LLM‑powered applications and workflows
• Design and implement reusable platform capabilities such as APIs, SDKs, templates, and shared services that make it easier to build safe, high‑quality AI‑powered tools
• Prototype and productionize new AI capabilities, identifying high‑leverage use cases and turning successful patterns into durable platform features
• Define and improve Chime’s golden path patterns for LLM usage, balancing developer velocity with safety, reliability, and cost efficiency
• Develop systems that let teams launch AI‑powered assistants and workflows in a standardized, observable, and governed way
• Establish evaluation, observability, and cost‑management practices across AI systems, including quality, latency, safety, and spend
• Partner with Security, Risk, and Legal to implement practical guardrails for responsible AI development and usage
• Drive consistency and standardization in how AI systems are built, deployed, and operated across the company
• Collaborate with engineers and partner teams across Chime to embed AI into internal tools, workflows, and employee experiences

To thrive in this role, you have

• Significant experience as a software engineer building distributed systems, platform services, or internal developer tools
• Hands‑on experience building with LLMs or ML services and shipping production‑quality features on top of them
• A platform mindset: you think in reusable primitives, contracts, and paved roads rather than one‑off solutions
• Familiarity with AI‑specific engineering concerns such as evaluation, prompt and version management, observability, cost control, safety, and data privacy
• Experience partnering with cross‑functional stakeholders such as Security, Risk, Product, and Operations, and influencing direction through strong technical judgment
• Strong written and verbal communication skills, with the ability to explain technical tradeoffs clearly to both technical and non‑technical audiences
• Engineers are required to participate in on‑call rotation. Being on call may include responding to incidents outside of regular working hours when necessary.

A little about us

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.

What we offer for our full‑time, regular employees

• Our in‑office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company‑wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.
• Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
• Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
• Generous vacation policy and company‑wide paid days off
• 1% of your time off to support local community organizations of your choice
• Annual wellness stipend to use towards eligible wellness related expenses
• Up to 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non‑birthing parents
• Access to family planning reimbursement
• A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress

We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.

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 the requirements of 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: [e-mail] .