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Software Engineer, AI

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Monarch Money

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Location:
United States

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Category:
IT - Software Development

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Contract Type:
Not provided

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Salary:

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Job Description:

At Monarch, AI is the engine powering intelligent, personalized financial experiences for our users. We're looking for an AI Engineer to design, build, and own the features that help hundreds of thousands of users understand and manage their money. You'll work across the full spectrum of AI development, from prompt engineering and API integrations to building multi-agent systems and fine-tuning language models. You will be a force multiplier for Monarch's product, making critical decisions on everything from our conversational AI architecture to how we evaluate and ship AI features with confidence.

Job Responsibility:

  • Apply AI to Real Financial Problems: Use GenAI and ML to help users make sense of their money, understand spending patterns, surface actionable insights, or automate tedious financial tasks
  • Choose the Right Tool for Each Problem: Navigate the AI toolkit thoughtfully, know when a well-crafted prompt suffices, when retrieval systems add value, and when custom models are worth the investment
  • Ship with Confidence: Leverage and enhance our sophisticated evaluation framework to ensure AI quality, design test datasets, implement new scorers, and use our Braintrust-based eval system to validate changes before they reach users
  • AI feature development, agent design and orchestration, ML model improvements, evaluation datasets and scorers, prompt engineering, and feature-level quality

Requirements:

  • 5+ years of experience in software engineering
  • at least 2 years focused on building and operating production ML/AI systems
  • proven track record of shipping LLM-powered features
  • deep, hands-on expertise in prompt engineering, RAG systems, and evaluation techniques
  • strong fundamentals in machine learning: embeddings, similarity search, classification, and probabilistic reasoning
  • demonstrated experience building and using AI evaluation tooling (e.g., golden sets, rubric scoring, LLM-as-judge)
  • excellent Python skills
  • history of building production-grade AI features and services
  • strong collaboration and communication skills with a sharp product sensibility
  • strategic mindset, comfortable making build-vs-buy decisions and designing features for long-term reliability

Nice to have:

  • Multi-Agent Systems: Designing and building complex LLM orchestration with frameworks like LangGraph, CrewAI, or AutoGen
  • Fine-Tuning: Hands-on experience with LoRA, RLHF, or full fine-tuning on platforms like Vertex AI
  • Fintech Domain: Background in personal finance, banking, or data-rich consumer financial applications
  • Vector Databases: Hands-on experience with OpenSearch, pgvector, Pinecone, or similar at scale
  • Safety & Evaluation: Experience with red-teaming exercises, adversarial testing, and implementing guardrails
What we offer:
  • Work wherever you want! As a fully remote company
  • Competitive cash and equity compensation
  • Stipend to set-up your ideal working environment
  • Competitive Benefit Plans for employees based on your location (e.g. in the US we offer: Medical, dental and vision benefits and the ability to contribute to a 401k plan)
  • Unlimited PTO
  • 3 day weekend every month! We take off the “First Friday” every month

Additional Information:

Job Posted:
March 10, 2026

Employment Type:
Fulltime
Work Type:
Remote work
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