Chime E-3 Visa Sponsorship Jobs USA
Chime Financial sponsors E-3 visas for Australian professionals in software engineering, data, product, and financial technology roles. While Chime's E-3 program is selective, the company actively hires international talent and has the infrastructure to support the full sponsorship process.
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Get Access To All JobsAbout the Role
The Deposit & Insights team is looking for a skilled backend engineer to join our team. You'll be leveraging deeply individualized spending insights and member spending behavior to give our members access to the best tools that enable them to spend safely. This role involves collaborating cross functionally, experimenting quickly, and iterating on solutions to find the best points of conversion.
The base salary offered for this role and level of experience will begin at $133,000 and up to $184,000. 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
- Drive technical design and architectural decisions, while mentoring engineers and fostering cross-functional collaboration
- Lead and contribute to multiple projects simultaneously, balancing ownership of key initiatives with support across broader team efforts
- Build and maintain robust, low-latency APIs and backend services that power our Trust and Safety platforms
- Become the domain expert in our platform architecture, providing technical decisions and solutions to refine our maturing platforms
- Partner with data engineers, analysts, and product managers to ship impactful features that enhance member protection and experience
- Improve platform reliability and performance through thoughtful system architecture, observability practices, and automation
- Evolve our experimentation, policy lifecycle, and ML integration capabilities to support smarter and faster decision-making at scale
- Engineers are required to participate in on-call rotation. Being on call may include responding to incidents outside of regular working hours when necessary.
To thrive in this role, you have
- 3+ years of experience developing software in a production environment at scale
- Prior experience serving as a technical lead for a team and on complex projects—driving architectural decisions, coordinating execution, and aligning cross-functional teams
- Proven experience with Ruby on Rails or comparable frameworks
- Experience with transactional databases and caching systems
- Deep understanding of architectural patterns for large-scale web applications
- Commitment to mentoring engineers and fostering team development
- An appreciation of maintainable and well-tested code
- Curiosity and passion for diving deeply into system architectures and technical challenges
- Experience in fast-paced or early-stage environments is a strong plus
LI-Onsite #LI-AA1
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.
- In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute
- Competitive salary based on experience
- ✨ 401k match plus great medical, dental, vision, life, and disability benefits
- Generous vacation policy and company-wide Chime Days, bonus 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 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
- Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.
- In-person and virtual events to connect with your fellow Chimers—think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!
- 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: benefits@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.
About the Role
The Deposit & Insights team is looking for a skilled backend engineer to join our team. You'll be leveraging deeply individualized spending insights and member spending behavior to give our members access to the best tools that enable them to spend safely. This role involves collaborating cross functionally, experimenting quickly, and iterating on solutions to find the best points of conversion.
The base salary offered for this role and level of experience will begin at $133,000 and up to $184,000. 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
- Drive technical design and architectural decisions, while mentoring engineers and fostering cross-functional collaboration
- Lead and contribute to multiple projects simultaneously, balancing ownership of key initiatives with support across broader team efforts
- Build and maintain robust, low-latency APIs and backend services that power our Trust and Safety platforms
- Become the domain expert in our platform architecture, providing technical decisions and solutions to refine our maturing platforms
- Partner with data engineers, analysts, and product managers to ship impactful features that enhance member protection and experience
- Improve platform reliability and performance through thoughtful system architecture, observability practices, and automation
- Evolve our experimentation, policy lifecycle, and ML integration capabilities to support smarter and faster decision-making at scale
- Engineers are required to participate in on-call rotation. Being on call may include responding to incidents outside of regular working hours when necessary.
To thrive in this role, you have
- 3+ years of experience developing software in a production environment at scale
- Prior experience serving as a technical lead for a team and on complex projects—driving architectural decisions, coordinating execution, and aligning cross-functional teams
- Proven experience with Ruby on Rails or comparable frameworks
- Experience with transactional databases and caching systems
- Deep understanding of architectural patterns for large-scale web applications
- Commitment to mentoring engineers and fostering team development
- An appreciation of maintainable and well-tested code
- Curiosity and passion for diving deeply into system architectures and technical challenges
- Experience in fast-paced or early-stage environments is a strong plus
LI-Onsite #LI-AA1
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.
- In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute
- Competitive salary based on experience
- ✨ 401k match plus great medical, dental, vision, life, and disability benefits
- Generous vacation policy and company-wide Chime Days, bonus 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 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
- Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.
- In-person and virtual events to connect with your fellow Chimers—think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!
- 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: benefits@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.
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Get Access To All JobsTips for Finding Chime E-3 Visa Sponsorship Jobs USA
Align your degree field to fintech roles
Chime's E-3 roles in engineering and data require a direct match between your degree field and the job description. A computer science or quantitative finance degree supports most technical postings, but a business degree rarely satisfies specialty occupation requirements for software roles at USCIS.
Research Chime's prevailing wage tier before negotiating
Before your offer call, run the role's SOC code through the OFLC Wage Search to see the Level I through IV wage bands for the relevant metro area. Chime files LCAs at the wage level matching your experience, and understanding that range helps you negotiate from an informed position.
Flag E-3 eligibility early in the recruiter screen
Chime's recruiting team distinguishes between visa types during intake. Mentioning you're an Australian citizen seeking E-3 sponsorship in your first recruiter conversation prevents you from being routed into H-1B lottery pipelines, which have different timelines and cost structures for the company.
Use Migrate Mate to verify Chime's LCA filing history
Before your final interview round, pull Chime Financial's DOL Labor Condition Application history on Migrate Mate to confirm which roles and locations they've filed for. This tells you which teams actively sponsor and whether your target role has a precedent for E-3 support.
Confirm your Australian credential equivalency upfront
Australian three-year bachelor's degrees are generally accepted as equivalent to U.S. four-year degrees for E-3 specialty occupation purposes, but Chime's legal team may request a credential evaluation from a NACES-approved evaluator for less common degree fields outside engineering and computer science.
Understand the LCA certification timeline before your start date
Chime files your Labor Condition Application with DOL before submitting the DS-160. DOL certifies most LCAs within seven business days, but allow two to three weeks of buffer when setting your target start date to account for consulate appointment availability at Sydney, Melbourne, or Perth.
Chime E-3 Visa Sponsorship: Frequently Asked Questions
Does Chime Financial sponsor E-3 visas?
Yes, Chime Financial sponsors E-3 visas for Australian nationals in qualifying specialty occupation roles, primarily in software engineering, data science, product management, and financial technology. The company has established processes for E-3 filings and works with immigration counsel to manage the Labor Condition Application and consular documentation on behalf of sponsored employees.
Which departments at Chime Financial typically offer E-3 sponsorship?
Engineering, data and analytics, product, and risk and compliance are the departments where E-3 sponsorship is most common at Chime. These roles consistently meet the specialty occupation standard because they require a bachelor's degree or higher in a directly related technical or quantitative field. Corporate functions like marketing or sales are less frequently sponsored under E-3.
How do I start the E-3 application process after receiving an offer from Chime Financial?
After accepting your offer, Chime's immigration team files a Labor Condition Application with DOL, which typically certifies within seven business days. You then complete the DS-160, pay the MRV fee, and attend a consular interview in Australia. Chime provides the certified LCA and a support letter as part of your consulate packet. Use Migrate Mate to track the filing timeline and prepare your documents.
How long does the E-3 sponsorship process take at Chime Financial?
From offer acceptance to visa stamp, most Chime E-3 cases take four to eight weeks depending on consulate appointment availability in Sydney, Melbourne, or Perth. The DOL LCA step is the fastest part at roughly one week. Consulate scheduling is the primary variable, so booking your appointment as soon as Chime's legal team certifies the LCA shortens the overall timeline.
How do I confirm that my role at Chime Financial qualifies as a specialty occupation for E-3 purposes?
Review the O*NET profile for your job's SOC code to confirm it requires a bachelor's degree in a specific field as a standard entry requirement. For engineering and data roles at Chime, this threshold is reliably met. If your role has a hybrid title combining technical and business functions, ask Chime's immigration counsel to confirm the specialty occupation determination before your interview.
What is the prevailing wage for E-3 sponsorship at Chime Financial?
E-3 employers must pay at least the prevailing wage, determined when they file a Labor Condition Application with the Department of Labor. The rate is based on the role, location, and experience level, ensuring Australian hires are paid comparably to U.S. workers in the same position. You can look up prevailing wage rates for any occupation and location using the DOL's OFLC Wage Search tool.