Software Engineer, Trust & Safety

About the Role

Chime is seeking a Backend Engineer for its Trust & Safety engineering team to evolve its risk architecture and modernize a Chime platform. The role provides technical leadership to help deliver a secure, seamless member experience.

Locations: Chicago, IL, or San Francisco, CA. This is a hybrid role; the stated office policy is four days in the office and Fridays from home for employees near an office.

Responsibilities

• Lead key projects end-to-end, set technical direction, shape system architecture, and mentor engineers.
• Design, develop, test, refactor, and scale backend implementations of new and existing consumer product features.
• Implement APIs and work with the mobile team to build resilient APIs supporting the mobile app.
• Collaborate with data engineers, analysts, and cross-functional teams to understand member challenges and develop solutions.
• Improve platform reliability, scalability, and performance.
• Help uphold high technical standards across engineering and contribute to other team initiatives as needed.
• Participate in a required on-call rotation, including responding to incidents outside regular working hours when necessary.

Qualifications

• At least 3 years of experience developing software in a production environment at scale.
• Experience with Ruby on Rails or comparable frameworks.
• Experience with transactional databases and caching systems.
• Exposure to architectural patterns for large, high-scale web applications.
• Appreciation for maintainable, well-tested code.
• Strong leadership skills and a desire to learn deeply how systems work.
• Startup experience is a plus.

Compensation and Benefits

• Listed annual base salary range: $117,000–$184,000 USD. Actual base salary may be higher depending on location, skills, qualifications, and experience.
• Full-time employees may be eligible for bonuses, competitive equity, and benefits.
• Comprehensive health, financial, and wellbeing benefits; backup child, elder, and pet care; and subsidized commuter benefits for eligible employees.
• Generous vacation, company-wide paid days off, and 1% of time off to support local community organizations.
• Annual wellness stipend and family planning reimbursement.
• Up to 22 weeks of paid parental leave for birthing parents and 12 weeks for non-birthing parents.

Application Accommodations

Applicants needing accommodations during any stage of the application process may contact accommodations@chime.com.