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Machine Learning Engineer (Modeling), Families Risk

United States, Bay Area 194500.00 - 343100.00 USD / Year · Job Posted January 26, 2026
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Job Description

Machine Learning is an integral part of how we at Cash App design products, operate, and pursue our mission to serve the unbanked as well as disrupt traditional financial institutions. Our massive scale and deep trove of transaction data create an endless number of opportunities to use ML and AI methods to better understand our customers and offer new products and experiences that can improve their lives. We are a highly creative group that prefers to solve problems from first principles; we move quickly, make incremental changes, and deploy to production every day. As part of the Risk ML team, you will help shape the future of teen banking by developing models that enable safe and trustworthy financial experiences for teens and their parents. Your work will focus on building machine learning systems that detect and prevent risky or abusive activity, strengthen account integrity, and ensure a secure ecosystem for families on Cash App. You'll experiment with state-of-the-art algorithms to identify emerging risk behaviors, detect potential abuse in real time, and help ensure that millions of customers can use Cash App safely and confidently.

Job Responsibility

  • Build machine learning models to detect and act against risky or abusive activity across the Cash Families product
  • Collaborate cross-functionally with engineering, product, and operations teams to design systems and features to protect and maintain trust with our customers
  • Work closely with the ML Engineering teams who build the systems that allow our models to operate at scale and in real time
  • Research emerging risks and behavioral patterns in financial activity to proactively shape safeguards and policy
  • Contribute to the growth of our modelling capabilities through mentoring and supporting fellow modellers
  • Exercise a high level of autonomy and responsibility, owning your solutions from design through to operation

Requirements

  • Bachelor's degree in a quantitative field such as Mathematics/Statistics/Physics or Machine Learning. Masters or PhD preferred
  • 5+ years of experience in machine learning, artificial intelligence, or a related field
  • Strong knowledge of machine learning algorithms and data analysis techniques
  • Excellent problem-solving skills and attention to detail
  • Strong communication skills, with the ability to explain complex concepts to non-technical stakeholders

What we offer

  • Remote work
  • medical insurance
  • flexible time off
  • retirement savings plans
  • modern family planning

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