Staff Machine Learning Engineer, Financial Connections

Stripe; San Francisco (CA); Hybrid; USD 254,000 - 380,000; Full time

Benefits offered by this job

Equity

401(k) plan

Medical, dental, vision benefits

Wellness stipends

Job summary

Stripe's Financial Connections team is hiring a senior ML engineer to design, train, and deploy production ML models at scale across thousands of financial institutions. You will own end-to-end ML pipelines, focusing on data quality, risk scoring, and enrichment for merchants and consumers, while collaborating with product, data science, and engineering partners.

You will mentor engineers and help grow a strong ML culture.

Qualifications

• 10+ years of industry experience building and shipping ML systems in production.
• Proficient with ML libraries and frameworks such as PyTorch, TensorFlow, XGBoost, as well as Spark.
• Hands-on experience in designing, training, and evaluating machine learning models.
• Hands-on experience in productionizing and deploying models at scale.
• Hands-on experience in orchestrating data pipelines and efficiently leveraging large-scale datasets.
• Strong collaboration skills and the ability to work across teams and contribute to peers' success.
• Ability to thrive with a high level of autonomy and responsibility and an entrepreneurial mindset.

Responsibilities

• Design, build, train, evaluate, deploy, and own ML models in production that improve transaction categorization, risk scoring, and data enrichment across Financial Connections
• Design and build large-scale ML systems that operate on diverse financial data from thousands of institutions
• Experiment and iterate on ML models using PyTorch, TensorFlow, XGBoost to achieve data quality and accuracy goals
• Develop pipelines and automated processes to train and evaluate models in offline and online environments
• Integrate ML models into production systems and ensure scalability and reliability
• Collaborate with product, data science, and engineering partners across Stripe to identify ML opportunities for merchants and consumers
• Engage with latest ML/AI developments and translate ideas into production-ready solutions
• Mentor engineers and contribute to strong ML engineering culture within the team

Skills

ML deployment

Cross-team collaboration

Autonomy

Problem solving

Education

MS or PhD in ML/AI

Tools

PyTorch

TensorFlow

XGBoost

Spark

Job description

About The Team

Financial Connections is Stripe's open banking platform, enabling businesses to securely access consumer-permissioned financial data. Our platform connects to thousands of financial institutions, powering use cases from account verification to risk assessment to personal financial management. Across the Financial Connections Engineering org, we focus on delivering high-quality, enriched bank data at scale — building the ML systems that transform raw financial data into actionable signals for both internal Stripe teams and external merchants.

Who we are

Financial Connections is Stripe's open banking platform, enabling businesses to securely access consumer-permissioned financial data. Our platform connects to thousands of financial institutions, powering use cases from account verification to risk assessment to personal financial management. Across the Financial Connections Engineering org, we focus on delivering high-quality, enriched bank data at scale — building the ML systems that transform raw financial data into actionable signals for both internal Stripe teams and external merchants.

Our ML work spans transaction categorization, risk scoring, data enrichment, and the development of intelligent systems that improve data quality across our network. We operate at the intersection of fintech infrastructure and applied machine learning, solving problems that directly impact Stripe's ability to serve millions of businesses and consumers.

What you'll do

We're looking for machine learning engineers who want to build intelligent systems that provide financial data at scale. You'll play a key role in designing, training, and deploying ML models that improve the quality, accuracy, and usefulness of financial data across Stripe's ecosystem.

Responsibilities

• Design, build, train, evaluate, deploy, and own ML models in production that improve transaction categorization, risk scoring, and data enrichment across Financial Connections
• Design and build large-scale ML systems that operate on diverse financial data from thousands of institutions
• Experiment and iterate on ML models (using tools such as PyTorch, TensorFlow, XGBoost) to achieve key business goals around data quality and accuracy
• Develop pipelines and automated processes to train and evaluate models in offline and online environments
• Integrate ML models into production systems and ensure their scalability and reliability
• Collaborate with product, data science, and engineering partners across Stripe to identify opportunities where ML can improve outcomes for merchants and consumers
• Engage with the latest ML/AI developments and take calculated risks in transforming innovative ideas into productionized solutions
• Mentor engineers and contribute to a strong ML engineering culture within the team

Who you are

We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement.

Minimum Requirements

• 10+ years of industry experience building and shipping ML systems in production
• Proficient with ML libraries and frameworks such as PyTorch, TensorFlow, XGBoost, as well as Spark
• Hands‑on experience in designing, training, and evaluating machine learning models
• Hands‑on experience in productionizing and deploying models at scale
• Hands‑on experience in orchestrating data pipelines and efficiently leveraging large-scale datasets
• Strong collaboration skills and the ability to work across teams and contribute to peers' success
• Ability to thrive with a high level of autonomy and responsibility and an entrepreneurial mindset

Preferred Qualifications

• MS or PhD degree in ML/AI or a related field (e.g., math, physics, statistics, computer science)
• Experience in fintech, open banking, or financial data domains
• Experience with NLP, LLMs, or text classification at scale
• Experience in adversarial or noisy-data domains such as fraud detection, risk modeling, or data quality
• Proven track record of building and deploying ML systems that have effectively solved ambiguous business problems
• Experience with deep learning architectures, including transformers

Hybrid work at Stripe

This role is available either in an office or a remote location (35+ miles or 56+ km from a Stripe office).

In-office expectations

Office-assigned Stripes spend at least 50% of the time in a given month in their local office or with users. This hits a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility about how to do this in a way that makes sense for individuals and their teams.

Working remotely at Stripe

A remote location is defined as being 35 miles (56 kilometers) or more from one of our offices. While you would be welcome to come into the office for team/business meetings, on‑sites, meet‑ups, and events, our expectation is you would regularly work from home rather than a Stripe office. Stripe does not cover the cost of relocating to a remote location. We encourage you to apply for roles that match the location where you currently live or plan to live.

Pay and benefits

The annual US base salary range for this role is $253,500 - $380,300. For sales roles, the range provided is the role’s On Target Earnings ("OTE") range, meaning that the range includes both the sales commissions/sales bonuses target and annual base salary for the role. This salary range may be inclusive of several career levels at Stripe and will be narrowed during the interview process based on a number of factors, including the candidate’s experience, qualifications, and location. Applicants interested in this role and who are not located in the US may request the annual salary range for their location during the interview process.

Additional benefits for this role may include: equity, company bonus or sales commissions/bonuses; 401(k) plan; medical, dental, and vision benefits; and wellness stipends.

We look forward to hearing from you.

At Stripe, we're looking for people with passion, grit, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and passion will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns. At Stripe, we welcome diverse perspectives and people who think rigorously and aren't afraid to challenge assumptions. Join us.