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 needed.

In 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 have

• 5+ 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-pa