Software Engineer, Trust & Safety

Chime Financial, Inc · Chicago, IL, USA; San Francisco, CA, USA · Engineering

Posted 2026-10-08

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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

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

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