Senior Staff / Staff Software Engineer, Trust & Safety

Chicago, IL, USA·Trust and Safety Engineering·engineering·Posted October 7, 2026

<h2>About the Role</h2> Chime is looking for Senior Staff and Staff Engineers to lead our high impact member Trust and Safety group. This is an exciting opportunity to lead the vision for one of Chime’s foundational pillars. The Trust and Safety organization is tasked with fueling sustainable growth, protecting our members, and reducing fraud losses and operational costs. You will provide technical and architectural guidance to multiple teams crafting industry defining solutions. These teams are responsible for providing scalable, extensible frameworks to create smooth and streamlined risk experiences across every checkpoint of a member’s experience at Chime. You will work function-wide across Chime’s engineering and cross-functional teams to deliver Trust and Safety’s vision. <h2>In this role, you can expect to</h2> <ul> <li>Work with engineering and product leadership to build cross-functional vision</li> <li>Design and evolve new and existing capabilities</li> <li>Deliver secure, reliable, and high-performance infrastructure and APIs </li> <li>Identify and help resolve bottlenecks in our software development process and infrastructure</li> <li>Write and guide engineers to produce elegant, scalable code, with an owner's mindset</li> <li>Serve as a mentor, leading others in designing elegant code and architecture that scales to meet Chime's growing needs</li> <li>As needed, play the role of Team Lead during the course of a project</li> <li>Ensure that technical decisions support our quality, performance, scalability, reliability, availability, and security goals</li> <li>Contribute to the organization-level discovery, vetting and decision-making on critical architecture and technology, bringing your domain expertise into larger conversations</li> </ul> <h2>To thrive in this role, you have </h2> <ul> <li>12+ years of experience in software engineering</li> <li>Previously built and evolved high-scale back-end solutions</li> <li>Passion and previous experience in building end to end member facing features and systems</li> <li>Strong competency in distributed systems, scalable and extensible platforms high availability design</li> <li>Experience with leading and empowering multiple teams</li> <li>Language and technology stack-agnostic mindset</li> <li>Ability to work in agile setting</li> </ul> #LI-MB1 #LI-Hybrid<div class="content-pay-transparency"><div class="pay-input"><div class="description">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.</div><div class="title">Wage Notice</div><div class="pay-range">$223,000—$373,000 USD</div></div></div><div class="content-conclusion"><h2>A little about us</h2> At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential. We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members. We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.  We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential. 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. <h2>What we offer for our full-time, regular employees</h2> <ul> <li style="font-family: helvetica, arial, sans-serif;">🏢 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.</li> <li style="font-family: helvetica, arial, sans-serif;">💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.</li> <li style="font-family: helvetica, arial, sans-serif;">✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.</li> <li style="font-family: helvetica, arial, sans-serif;">🏝 Generous vacation policy and company-wide paid days off</li> <li style="font-family: helvetica, arial, sans-serif;">🫂 1% of your time off to support local community organizations of your choice</li> <li style="font-family: helvetica, arial, sans-serif;">👟 Annual wellness stipend to use towards eligible wellness related expenses</li> <li style="font-family: helvetica, arial, sans-serif;">👶 Up to 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents</li> <li style="font-family: helvetica, arial, sans-serif;">👪 Access to family planning reimbursement</li> <li style="font-family: helvetica, arial, sans-serif;">💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress</li> </ul> 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. Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: <a style="color: rgb(35, 111, 161); text-decoration: underline;" href="mailto:[email protected]">[email protected]</a>. To learn more about how Chime collects and uses your personal information during the application process, please see the <a href="https://www.chime.com/careers/chime-applicant-privacy-notice/">Chime Applicant Privacy Notice. </a></div>

Senior Staff / Staff Software Engineer, Trust & Safety

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