Senior Staff / Staff Software Engineer, Trust & Safety New Chicago, IL, USA; San Francisco, CA, USA

Chime Enterprise; Chicago (IL); On-site; USD 223,000 - 373,000; Full time

Benefits offered by this job

Health benefits

Wellness stipend

Parental leave

Vacation policy

Commuter benefits

Diversity & inclusion

Job summary

Chime is seeking Senior Staff and Staff Software Engineers to lead the Trust & Safety organization, shaping the vision for a foundational pillar of our platform.

You will provide architectural guidance across multiple teams, design scalable back-end solutions, and mentor engineers to deliver secure, high-performance systems while balancing reliability, security, and speed in a hybrid work environment across Chicago and San Francisco.

Qualifications

• 12+ years of software engineering experience.
• Built and evolved high-scale back-end solutions.
• Experience building end-to-end member-facing features and systems.
• Strong competency in distributed systems and high-availability design.
• Experience leading and empowering multiple teams.
• Language- and technology-agnostic mindset.
• Ability to work in an agile setting.

Responsibilities

• Work with leadership to build cross-functional vision.
• Design and evolve capabilities.
• Deliver secure, reliable, high-performance infrastructure and APIs.
• Identify bottlenecks in development and infrastructure.
• Guide engineers to scalable, elegant code with an owner's mindset.
• Mentor and lead teams; act as Team Lead when needed.
• Ensure decisions support quality, performance, scalability, reliability, and security.
• Contribute to architecture decisions with domain expertise.

Skills

Distributed systems

Backend solutions

Team leadership

Agile mindset

End-to-end features

Scalability design

Job description

Senior Staff / Staff Software Engineer, Trust & Safety

Chicago, IL, USA; San Francisco, CA, USA

About the Role

Chime is looking for Senior Staff and Staff Engineers to lead our high impact member Trust and Safety group. This is an exciting opportunity to lead the vision for one of Chime’s foundational pillars.

The Trust and Safety organization is tasked with fueling sustainable growth, protecting our members, and reducing fraud losses and operational costs. You will provide technical and architectural guidance to multiple teams crafting industry defining solutions. These teams are responsible for providing scalable, extensible frameworks to create smooth and streamlined risk experiences across every checkpoint of a member’s experience at Chime. You will work function-wide across Chime’s engineering and cross-functional teams to deliver Trust and Safety’s vision.

In this role, you can expect to

• Work with engineering and product leadership to build cross-functional vision
• Design and evolve new and existing capabilities
• Deliver secure, reliable, and high-performance infrastructure and APIs
• Identify and help resolve bottlenecks in our software development process and infrastructure
• Write and guide engineers to produce elegant, scalable code, with an owner's mindset
• Serve as a mentor, leading others in designing elegant code and architecture that scales to meet Chime's growing needs
• As needed, play the role of Team Lead during the course of a project
• Ensure that technical decisions support our quality, performance, scalability, reliability, availability, and security goals
• Contribute to the organization-level discovery, vetting and decision-making on critical architecture and technology, bringing your domain expertise into larger conversations

To thrive in this role, you have

• 12+ years of experience in software engineering
• Previously built and evolved high-scale back-end solutions
• Passion and previous experience in building end to end member facing features and systems
• Strong competency in distributed systems, scalable and extensible platforms high availability design
• Experience with leading and empowering multiple teams
• Language and technology stack-agnostic mindset
• Ability to work in agile setting

#LI-MB1 #LI-Hybrid

Below is the base salary offered for this role and level of experience. Full-time employees may also be eligible for bonus(es), competitive equity, and benefits. For commissioned roles, the base salary listed in this job description does not include incentive/variable pay. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.

Wage Notice

$223,000 - $373,000 USD

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, and 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] .

Chime Demographic Questions

At Chime we are committed to providing a welcoming and inclusive work environment, and that starts with our application process. To hold ourselves accountable for equitable and inclusive hiring practices, we ask candidates to voluntarily complete the following survey that helps us in our efforts to ensure equal employment opportunities.

We believe that diversity, equity, and belonging—DEB— is essential to our ability to help our diverse member base and continue delivering on our mission to provide them with financial peace of mind. Anyone who wants to work with us will be considered without regard to their race/ethnicity, religion, national origin, age, sex, marital status, ancestry, disability, gender identity, or sexual orientation.

Your responses will be reported in aggregate only. Please be assured that your responses (or choosing not to identify) will have zero impact on your candidacy; this information is maintained confidentially and always stored separately from your application.

This information will be stored in Greenhouse ( you can review Greenhouse’s privacy policy here ). Access inside Chime to this information is restricted to selected members of the People team, who are committed to keeping details confidential.. Greenhouse will retain this information, along with the rest of the information provided in your application, 18 months from your application date, after which all application information will be anonymized and stored only in that form. Once information is anonymized, neither we nor Greenhouse can determine the individual to whom it once belonged.

By checking this box, I consent to Chime Financial, Inc collecting, storing, and processing my responses to the demographic data surveys above. *