Senior Software Engineer, Trust & Safety

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 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 Chime 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  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 have5+ 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

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 $164,000—$259,000 USDA little about usAt 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…