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Senior Staff / Staff Software Engineer, Trust & Safety

Chime - Chicago, IL, USA - Hybrid - posted 2026-10-07

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Salary: USD 223,000 - 373,000 / annual

Chime is seeking Senior Staff and Staff Engineers to lead the Trust and Safety organization, a foundational pillar responsible for protecting members, reducing fraud losses, and enabling sustainable growth. In this role, you will provide technical and architectural guidance to multiple teams building industry-defining risk and safety solutions across Chime's platform. You will work cross-functionally with engineering and product leadership to establish vision, design and evolve new capabilities, and deliver secure, reliable, high-performance infrastructure and APIs. Key responsibilities include identifying and resolving bottlenecks in software development and infrastructure, mentoring engineers in elegant code and architecture design, and serving as a technical leader during projects. You will contribute to organization-level decisions on critical architecture and technology, bringing domain expertise to larger strategic conversations. Your work will ensure technical decisions support quality, performance, scalability, reliability, availability, and security goals. Chime is a financial technology company (not a bank) on a mission to help everyday Americans achieve financial progress. The company operates with an entrepreneurial culture emphasizing owner's mindset, bold thinking, and integrity. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The in-office work policy requires four days per week in office with Fridays remote for those near an office location, though fully remote options are available for some roles. Benefits include comprehensive health, financial, and wellbeing coverage; generous vacation and paid time off; up to 22 weeks paid parental leave for birthing parents and 12 weeks for non-birthing parents; annual wellness stipend; backup child, elder, and pet care; and 1% of time off for community service. REQUIREMENTS: - 12+ years of software engineering experience - Proven track record building and evolving high-scale back-end solutions - Passion and previous experience building end-to-end member-facing features and systems - Strong competency in distributed systems, scalable and extensible platforms, and high-availability design - Experience leading and empowering multiple teams - Language and technology stack-agnostic mindset - Ability to work in agile settings

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