Software Engineer, Risk: Identity, Suspensions Closures

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 $ and up to $. 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.

• 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.

• 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

• 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.
• In‑office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute.
• Competitive salary based on experience.
• 401(k) match plus great medical, dental, vision, life, and disability benefits.
• Generous vacation policy and company‑wide Chime Days, bonus 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 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non‑birthing parents.
• Access to Maven, a family planning tool, with $15,000 lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.
• In‑person and virtual events to connect with your fellow Chimers—think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!
• A challenging and fulfilling opportunity to join one of the most experienced teams in Fin Tech and help millions unlock financial progress.

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:

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