Senior Software Engineer (Trust and Safety)

Chime; San Francisco (CA); On-site; USD 180,000 - 250,000; Full time

Job summary

Chime Engineering is seeking a Senior Engineer to provide technical leadership and evolve our risk architecture within Trust & Safety, enabling deeper insights and stronger protections for our members.

You will drive architectural decisions, mentor engineers, build low-latency APIs and backend services, collaborate with data teams, and ensure reliability and performance while supporting scale.

Qualifications

• 5+ years of experience developing software at scale.
• Deep understanding of large-scale web app architectures.
• Experience mentoring engineers.
• Experience with transactional databases and caching.
• Technical lead experience coordinating cross-functional teams.

Responsibilities

• Set technical direction and architecture for the platform.
• Mentor engineers and lead multiple projects end-to-end.
• Build and maintain robust API backends.
• Collaborate with data engineers, analysts, and product managers.
• Improve reliability and performance of the platform.
• Participate in on-call rotations.

Skills

System architecture

Mentoring engineers

APIs design

Observability

On-call experience

Leadership

Tools

Ruby on Rails

Job description

• Chime Engineering is growing rapidly as we scale to meet the financial needs of our members. We’re looking for driven engineers with strong leadership skills to help evolve our risk architecture, enabling deeper insights and stronger protections for our members
• As a Senior Engineer, you’ll provide technical leadership to the team, helping drive the modernization of one of our Chime Platforms within Trust & Safety
• Your work will ensure a secure, seamless, and frictionless experience for our members
• You’ll lead key projects end-to-end by setting technical direction, shaping system architecture, mentoring engineers, implementing APIs, collaborating with data engineers and analysts, and ensuring the reliability and performance of the platform—while also contributing to other team initiatives as needed
• Drive technical design and architectural decisions, while mentoring engineers and fostering cross-functional collaboration
• Lead and contribute to multiple projects simultaneously, balancing ownership of key initiatives with support across broader team efforts
• Build and maintain robust, low-latency APIs and backend services that power our Trust and Safety platforms
• Become the domain expert in our platform architecture, providing technical decisions and solutions to refine our maturing platforms
• Partner with data engineers, analysts, and product managers to ship impactful features that enhance member protection and experience
• Improve platform reliability and performance through thoughtful system architecture, observability practices, and automation
• Evolve our experimentation, policy lifecycle, and ML integration capabilities to support smarter and faster decision-making at scale
• Engineers are required to participate in on-call rotation. Being on call may include responding to incidents outside of regular working hours when necessary

Benefits

• Physical: We believe in taking care of your physical health, so as a Chimer you’ll get medical, dental, and vision insurance, as well as benefits to support your physical activity, family planning, and all of your little Chimers
• Emotional: We know that staying healthy involves a lot more than doctor’s checkups. We partner with Modern Health to help you navigate your mental health, give monthly Take Care of Yourself Days, and want you to take time off when you need it
• Financial: We want Chimers to save and feel financially supported, so we offer savings plans with competitive matching, as well as access to financial planning and legal assistance so that you can find your financial peace of mind
• Social: We’ll celebrate your milestones together with travel stipends, swag, and high-fives and make sure you’re connected to fellow Chimers through our Chime Resource Groups (CRGs) and company events

• Experience in fast-paced or early-stage environments is a strong plus5+ years of experience developing software in a production environment at scaleCuriosity and passion for diving deeply into system architectures and technical challenges
• Deep understanding of architectural patterns for large-scale web applications
• Commitment to mentoring engineers and fostering team development
• Experience with transactional databases and caching systems
• Proven experience with Ruby on Rails or comparable frameworks
• An appreciation of maintainable and well-tested code
• Prior experience serving as a technical lead for a team and on complex projects—driving architectural decisions, coordinating execution, and aligning cross-functional teams