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Chime

Runs a mobile banking app with no monthly fees

Software Engineer Intern - Agent Tools

Summer 2025Posted on 2/19/2025
$34 - $49/hr
Internship
Bachelor's, Master's
San Francisco, CA, USAHybrid work policy with in-office days required.
Backend Engineering, Full-Stack Engineering, Software Engineering

About the job

Requirements
  • Currently pursuing a Bachelor's/Master's degree in Computer Science, Software Engineering or a related field
  • Strong organizational, analytical, interpersonal, oral, and written communication skills
  • Creative thinker and self starter with a passion for consumer FinTech
  • Are flexible and enjoy doing whatever it takes to execute on complex projects
  • Approach challenges with curiosity and a growth mindset, working effectively with a diverse group of stakeholders.
Responsibilities
  • Design, implement and release impactful features driving Agent Satisfaction and Member Engagement
  • Work on implementing exciting new Gen AI features that can help Agents better solve Member issues
  • Explore opportunities to get and drive visibility for Product Builder populations around the efficiency of agent tooling.

About the company

Chime runs a mobile banking app for everyday Americans, with accounts held at federally insured banks and no monthly or overdraft fees. It made its name by releasing direct-deposit paychecks up to two days early, and in 2019 it introduced SpotMe, which covers small overdrafts without a fee. Members spend with a Visa debit card or the Chime Card, a credit card backed by their own deposits that builds credit, and get part of their pay before payday through MyPay. Chime makes most of its money from the swipe fees merchants pay when members use its cards, plus charges and interest on instant transfers, pay advances, and small loans. Chime was founded in 2012 and is based in San Francisco, California.

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

San Francisco, California

Founded

2012

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Simplify's Take

What believers are saying

  • Members keep coming: Chime added a record 1.7 million active members in the year to June 2026, reaching 10.4 million.
  • Chime has turned profitable: it earned $28 million in the June 2026 quarter, its second straight quarterly profit.
  • Owning a bank pays: Chime expects over $100 million in added profit from its September 2026 deal for Stride Bank.

What critics are saying

  • Profits haven't stopped cuts: Chime laid off nearly 150 people, 10% of staff, in July 2026, citing AI efficiencies.
  • Cash App is chasing the same paychecks: its primary banking users rose 17% to 9.4 million by June 2026.
  • Expect four office days a week: October 2026 job posts say Chime staff near an office work remotely only Fridays.

What makes Chime unique

  • Small banks earn more per swipe: Chime will keep assets under $10 billion, above which federal rules cap debit fees.
  • Chime built its own payments engine: it says moving onto ChimeCore in 2025 cut transaction processing costs an estimated 60%.
  • Its founders keep control: CEO Chris Britt and co-founder Ryan King held 65% of shareholder votes in April 2026.

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Benefits

Competitive salary based on experience

401k match plus the usual medical, dental, vision, life, and disability benefits

Generous vacation policy and company-wide Take Care of Yourself Days

Virtual events to connect with your fellow Chimers- think cooking classes, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

0%
Business Circle
Oct 7th, 2026
Why brand and performance should stop fighting ft. Nick Fairbairn of Chime.

Why brand and performance should stop fighting ft. Nick Fairbairn of Chime. Model or efficiency? That's the incorrect query for entrepreneurs to ask, based on Nick Fairbairn. Reside from the Advertising Vanguard stage at Brandweek 2026 in Atlanta, Jenny Rooney sits down with Chime SVP of Development Nick Fairbairn to unpack why model elevate and direct-response accountability belong in the identical system. Additionally they talk about why shopping for an AI device doesn't quantity to AI transformation, and why scrappy artistic could do extra brand-building work than entrepreneurs wish to admit. Nick additionally will get into TV's messy shift from linear to streaming, government conversations round model funding and why creators ought to maybe be part of each channel. What you'll study: * Why AI adoption wants lively management as an alternative of ready for groups to determine it out themselves * Why shopping for one other AI device hardly ever adjustments how a advertising and marketing group really works * How Nick measures TV with the rigor of a efficiency channel * Why model elevate and direct-response accountability ought to sit in the identical dialog * How information can flip a defensive funds dialogue right into a stronger case for model funding * Why lower-production testimonial artistic can nonetheless transfer model fairness and consideration * Why Nick thinks creators ought to finally change into a part of each advertising and marketing channel * This episode is a part of a particular vidcast collection that was recorded reside throughout Brandweek 2026 and introduced in partnership with Tatari. About our visitor: Nick Fairbairn is senior vp of progress at Chime, the place he leads a broad progress group spanning paid media, natural progress, go-to-market, lifecycle, product, engineering and onboarding. His profession began in media shopping for, together with tv and radio, earlier than he moved into company entrepreneurship after which brand-side advertising and marketing. Alongside the best way, he's labored at ProFlowers, helped construct acquisition at Greenback Shave Membership throughout the DTC period, led startup progress and later joined Chime to construct its product advertising and marketing capabilities earlier than transferring into his present progress function. Episode highlights: [08:49] Shopping for an AI Device Is Not Transformation - Nick is candid about getting AI incorrect. He says he has made the error of shopping for instruments out of the field and assuming they'd work, solely to find that software program alone adjustments little or no. Actual transformation takes use-case testing, product understanding, intentional workflow design and folks prepared to vary how they work. The acquisition is the straightforward half. Adoption is the precise job.

Tech News Tube
Oct 7th, 2026
Get hands-on: The full lineup of interactive roundtables at TechCrunch Disrupt 2026.

Get hands-on: The full lineup of interactive roundtables at TechCrunch Disrupt 2026. * TechCrunch By TechCrunch EventsOct 7, 2026, 10:15 am Read Tech News 71 ptsTrending From Nvidia and Chime to Obvious Ventures and Anthropic, explore the entire roundtable agenda at TechCrunch Disrupt 2026. Register now to save up to $100 on your pass and get a second pass at 50% off. Read Article Share Article * email * x.com * facebook * pocket * reddit * tumblr * linkedin * pinterest Tech News Tube is a real time news feed of the latest technology news headlines. Follow all of the top tech sites in one place, on the web or your mobile device.

Yahoo Finance
Sep 29th, 2026
Nu surpasses $1B quarterly profit with 139M customers while Chime grows U.S. user base to 10.4M

Nu Holdings and Chime Financial are competing digital banking platforms, but differ significantly in scale and geography. Nu operates across Brazil, Mexico and Colombia with 139 million customers and has recently entered the US market. The company posted $5.9 billion in gross revenues and over $1 billion in net income in Q2 2026, marking its first time surpassing that profit threshold. Chime remains focused on the US market with 10.4 million active members. Brazil accounts for most of Nu's customer base at 118 million users, serving as the primary account for roughly 60% of mass-market customers. Mexico has grown to 16 million customers and recently achieved banking license status, reaching profitability faster than Brazil. Nu's US entry introduces new execution challenges, as it faces established competitors like Chime in a market with different consumer behaviour patterns.

Yahoo Finance
Sep 16th, 2026
Chime opens 84,000 sq ft office in New York City's Flatiron District

Chime has opened a new 84,000-square-foot office in Manhattan's Flatiron District, establishing its East Coast hub in its largest metropolitan market. The three-floor workspace at 122 Fifth Avenue brings together New York-based employees across product, engineering, enterprise, marketing, and partnerships teams. The expansion comes as Chime enters its next growth phase, having recently announced plans to acquire Stride Bank, its bank partner of over seven years. Subject to regulatory approval, Stride would become Chime's bank subsidiary, bringing a national bank charter and banking infrastructure in-house. Chime first established its New York presence in 2023 and expanded in 2024 by acquiring Salt Labs, now Chime Enterprise. The office adds to Chime's existing locations in San Francisco and Chicago.

Asianet News
Sep 12th, 2026
PayPal's new CEO rejects $50B buyout to pursue high-stakes transformation including A Venmo revamp, says report.

PayPal's new CEO rejects $50B buyout to pursue high-stakes transformation including A Venmo revamp, says report. Published: Sep 12 2026, 03:10 AM IST * FB * TW * Linkdin * Whatsapp * GNFollow Us Enrique Lores is rejecting multi-billion-dollar takeover bids to chart PayPal's independent future. * A buyout offer exceeding $50 billion from rival Stripe and private-equity firm Advent International has stalled over pricing disagreements. * CEO Enrique Lores plans to transform Venmo from a simple peer-to-peer payment tool into a comprehensive money-management platform. * Under a new compensation structure, Lores stands to earn a $25 million bonus if PayPal's stock reaches an average of $68, and over $60 million if it hits $125. PayPal (PYPL) CEO Enrique Lores is charting an independent path forward for the payments pioneer, choosing to rebuild the company rather than sell it following a stalled buyout attempt valued at over $50 billion, according to an exclusive report by The Wall Street Journal. Lores, the former HP executive who unexpectedly took the helm as CEO six months ago, faces an uphill battle to convince a skeptical Wall Street. Shares briefly surged to over $62 after fintech competitor Stripe and private equity firm Advent International made a $60.50-per-share acquisition offer. However, with negotiations stalled over valuation differences, the stock has retreated to $53. PYPL stock rose about 0.8% on Friday. Revamp of core services and Venmo expansion. To regain competitive momentum against giants like Apple Pay and Google Wallet, Lores plans to cut billions in expenses, improve user incentives, and modernize the classic PayPal checkout experience. Central to his strategy is a broad transformation of Venmo, aiming to reshape the low-profit app into a full-scale financial ecosystem. Lores envisions Venmo competing directly with platforms like SoFi and Chime by adding budgeting tools, stock trading, and upcoming buy-now-pay-later options alongside its existing crypto and debit services. The pivot comes as digital banking competitors rapidly consolidate their positions; Revolut recently secured conditional approval for a U.S. national bank charter, while Chime announced an acquisition to secure its own banking charter. Meanwhile, PayPal's application for a Utah state charter remains under review. As The Wall Street Journal detailed, Lores has strong financial motivation to execute this vision. His compensation targets include a $25 million payout if PayPal's stock averages $68 over 60 days, and upwards of $60 million if shares touch $125. Nevertheless, analysts warn that overcoming years of sluggish execution in a crowded market will present significant hurdles for the turnaround. PYPL stock: retail view. Retail sentiment on Stocktwits was 'bearish' with 'low' message volumes. PYPL stock has lost 10.2% year-to-date. For updates and corrections, email newsroom[at]stocktwits[dot]com.< Stay updated with all the latest Business News, including market trends, Share Market News, stock updates, taxation, IPOs, banking, finance, real estate, savings, and investments. Track daily Gold Price changes, updates on DA Hike, and the latest developments on the 8th Pay Commission. Get in-depth analysis, expert opinions, and real-time updates to make informed financial decisions. Download the Asianet News Official App from the Android Play Store and iPhone App Store to stay ahead in business. 0 Comments / 0 New

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