Software Engineer, AI Enablement

About the role

As a Software Engineer on the AI Enablement team, you will contribute to the internal platforms, primitives, and guardrails that make AI a trusted co-pilot for employees across Chime.

You'll work on systems like Archimedes, Bosun , and easyRAG that power internal AI assistants, developer workflows, and retrieval-backed applications. These platforms make it easier for teams across the company to build, adopt, and scale LLM-powered tools safely and effectively.

This team defines Chime's golden paths for AI: opinionated but flexible patterns that help teams move quickly while maintaining safety, reliability, cost control, and governance. In this role, you'll build on and extend these patterns — shipping real features on production AI platforms while developing your depth in AI-specific engineering practices.

You'll collaborate with Platform Engineering, Security, Risk, Legal , and product teams to build scalable, well-governed systems that support internal AI use cases from early prototyping through production adoption.

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

• Contribute to and extend internal AI platforms such as Archimedes, Bosun, and easyRAG, helping teams develop and scale LLM-powered applications and workflows
• Build reusable platform capabilities such as APIs, SDKs, templates, and shared services that make it easier to develop safe, high-quality AI-powered tools
• Prototype and productionize new AI capabilities alongside senior engineers, turning successful patterns into durable platform features
• Apply Chime's golden path patterns for LLM usage, and help refine them as you deepen familiarity with the systems
• Build features that let teams launch AI-powered assistants and workflows in a standardized, observable, and governed way
• Learn and apply evaluation, observability, and cost-management practices across AI systems — including quality, latency, safety, and spend
• Partner with Security, Risk, and Legal to implement guardrails for responsible AI development and usage
• Collaborate with engineers across Chime to embed AI into internal tools, workflows, and employee experiences

To thrive in this role, you have

• Experience as a software engineer with a track record of shipping production-quality features in a distributed system or platform environment
• Hands-on experience working with LLMs or ML services, or strong curiosity and a demonstrated ability to ramp quickly into AI-specific tooling
• Solid coding skills in at least one of Python, Go, or TypeScript/JavaScript, with comfort working across services, CLIs, and internal tooling
• An emerging platform mindset: you think about reuse and building for more than one consumer, not just solving the immediate problem
• Familiarity with — or eagerness to learn — AI-specific engineering concerns such as evaluation, prompt and version management, observability, cost control, safety, and data privacy
• Clear written and verbal communication skills, with the ability to explain technical tradeoffs to teammates and cross-functional partners

#LI-Onsite #LI-WW1

A little about us

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.

What we offer for our full-time, regular employees

• 🏢 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.
• 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
• ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
• 🏝 Generous vacation policy and company-wide paid days off
• 🫂 1% of your time off to support local community organizations of your choice
• 👟 Annual wellness stipend to use towards eligible wellness related expenses
• 👶 Up to 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
• 👪 Access to family planning reimbursement
• 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress

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: accommodations@chime.com .

To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice .