Software Engineer, Risk: Identity, Suspensions, & Closures

Chime Financial, Inc; Chicago (IL); Hybrid; USD 133,000 - 184,000; Full time

Benefits offered by this job

Health benefits

In-office 4 days a week

Backup care benefits

Commuter benefits

Paid time off

Job summary

Chime Engineering is growing rapidly as we scale to meet the financial needs of our members. We’re looking for driven engineers to help evolve our risk platform and architecture, enabling deeper insights and stronger protections for our members.

The base salary offered for this role and level of experience will begin at $133,000.00 and up to $184,000.00. Full-time employees are also eligible for a bonus, equity, and benefits.

Qualifications

• 3+ years building production software at scale.
• Based in the Chicago area, or willing to relocate.
• Experience with Ruby on Rails or comparable frameworks.
• Experience with transactional databases and caching systems.
• Exposure to architectural patterns of large, high-scale web applications.
• Commitment to maintainable, well-tested code.
• Clear communication and effective collaboration across teams.

Responsibilities

• Write clean, efficient, well-tested backend code, and assist with frontend/mobile features.
• Set up monitoring and dashboards to detect issues early.
• Collaborate across Engineering to solve multi-domain problems.
• Work with Risk, Compliance, Data, Analytics, and Product to ship secure features.
• Deliver high-quality work on tight timelines.
• Work out of the Chicago office.

Skills

3+ years experience

Communication

Collaboration

Maintainable code

Low ego, empathy

Problem solving

Tools

Ruby on Rails

Transactional databases

Caching systems

Architectural patterns

Job description

About the role

Chime Engineering is growing rapidly as we scale to meet the financial needs of our members. We’re looking for driven engineers to help evolve our risk platform and architecture, enabling deeper insights into and stronger protections for our members. As part of our Trust and Safety Engineering team, you’ll partner with cross-functional teams like Data, Risk Operations, and Compliance to design and build core systems. You’ll work across the stack—from evolving our API architecture to building microservices that power key domains—to deliver a secure, seamless, and frictionless experience for our members.

The base salary offered for this role and level of experience will begin at $133,000.00 and up to $184,000.00. 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

• Write clean, efficient, well-tested backend code, and jump in on the occasional frontend or mobile feature.
• Set up monitoring and dashboards so we catch issues before members do.
• Team up across Engineering to solve complex, multi-domain problems.
• Partner with Risk, Compliance, Data, Analytics, and Product to ship features that strengthen protection and improve the member experience.
• Balance independence with collaboration to deliver high-quality work on tight timelines.
• Work out of our office in downtown Chicago.

To thrive in this role, you have

• 3+ years building production software at scale
• Based in the Chicago area, or willing to relocate
• Experience with Ruby on Rails or comparable frameworks
• Experience with transactional databases and caching systems
• Exposure to architectural patterns of large, high-scale web applications
• A commitment to maintainable, well-tested code
• Curiosity and a drive to understand how things work at the deepest level
• Clear communication and effective collaboration across teams
• Low ego, high empathy, and strong stakeholder partnerships
• Energized by Chime's mission and our members, and eager to take on complex, ambiguous problems

#LI-AC1#LI-Hybrid

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].

To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.