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 Backend 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 needed.

In this role, you can expect to

• Design, develop, test, refactor and scale backend implementations of new and existing consumer product features
• Work with the mobile team to design and build strong, resilient APIs that propel our mobile app
• Collaborate with multi-functional teams to understand member struggles and come up with creative solutions
• Proactively find opportunities for improving the reliability and scalability of our systems
• Work across the engineering team to improve and uphold high technical standards
• 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 have

• 3+ years developing software in a production environment at scale
• Experience with Ruby on Rails or comparable frameworks
• Experience working with transactional databases and caching systems
• Exposure to architectural patterns of large, high-scale web applications
• An appreciation of maintainable and well-tested code
• A desire to learn and dive into the deepest levels of how things work
• Start-up experience as an added plus

#LI-MB1 #LI-Hybrid

Pay and benefits

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 $117,000—$184,000 USD

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.

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