Software Engineer, Risk: Identity, Suspensions, & Closures

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 to help evolve our risk platform and architecture, enabling deeper insights into and stronger protections for our members. As part of our Trust and Safety Engineering team, you’ll partner with cross-functional teams like Data, Risk Operations, and Compliance to design and build core systems. You’ll work across the stack—from evolving our API architecture to building microservices that power key domains—to deliver a secure, seamless, and frictionless experience for our members. The base salary offered for this role and level of experience will begin at $133,000.00 and up to $184,000.00. Full-time employees are also eligible for a bonus, competitive equity package, and benefits. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience. In this role, you can expect to Write clean, efficient, well-tested backend code, and jump in on the occasional frontend or mobile feature. Set up monitoring and dashboards so we catch issues before members do. Team up across Engineering to solve complex, multi-domain problems. Partner with Risk, Compliance, Data, Analytics, and Product to ship features that strengthen protection and improve the member experience. Balance independence with collaboration to deliver high-quality work on tight timelines. Work out of our office in downtown Chicago. To thrive in this role, you have 3+ years building production software at scale Based in the Chicago area, or willing to relocate Experience with Ruby on Rails or comparable frameworks Experience with transactional databases and caching systems Exposure to architectural patterns of large, high-scale web applications A commitment to maintainable, well-tested code Curiosity and a drive to understand how things work at the deepest level Clear communication and effective collaboration across teams Low ego