Senior Software Engineer, Trust & Safety

Chime; Chicago (IL); Hybrid; USD 164,000 - 259,000; Full time

Benefits offered by this job

Hybrid work model

Job summary

Chime is seeking a Senior Engineer to lead technical direction and architecture for our Trust & Safety platform. You will mentor engineers, shape system design, and own key projects end-to-end to deliver secure, performant infrastructure that protects members.

You will collaborate with data engineers, analysts, and product managers to ship impactful features while improving reliability through observability and automation. Hybrid work and on-call rotations are part of the role.

Qualifications

• 5+ years of experience developing software in production at scale.
• Experience as a technical lead on complex projects.
• Proven ability to design and drive architectural decisions.
• Mentoring engineers and fostering team development.
• Commitment to maintainable and well-tested code.
• Curiosity about system architectures and challenges.

Responsibilities

• Drive technical design and architectural decisions while mentoring engineers.
• Lead multiple projects, balancing ownership with cross-functional support.
• Build and maintain robust, low-latency APIs and backend services.
• Serve as domain expert for platform architecture and technical decisions.
• Collaborate with data engineers, analysts, and product managers to ship features.
• Improve platform reliability and performance through observability and automation.
• Participate in on-call rotation as needed.

Tools

Ruby on Rails

Job description

About the role

the company 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 the company 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.

In this role, you can expect to

• 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.

To thrive in this role, you have

• 5+ years of experience developing software in a production environment at scale

• Prior experience serving as a technical lead for a team and on complex projects—driving architectural decisions, coordinating execution, and aligning cross-functional teams

• Proven experience with Ruby on Rails or comparable frameworks

• Experience with transactional databases and caching systems

• Deep understanding of architectural patterns for large-scale web applications

• Commitment to mentoring engineers and fostering team development

• An appreciation of maintainable and well-tested code

• Curiosity and passion for diving deeply into system architectures and technical challenges

• Experience in fast-paced or early-stage environments is a strong plus

#LI-Hybrid #LI-MB1

Wage Notice

$164,000—$259,000 USD

A little about us

At the company, we believe that everyone can achieve financial progress. We created the company—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?

*the company 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