Senior ML Engineer Jobs in New Jersey

Who We Are

Cross River builds the infrastructure behind the world's most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively — trusted by leading fintechs, enterprises, and disruptors across the globe.

Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker's Best Places to Work in Fintech year after year. Whether you're designing code, solving regulatory puzzles, or developing strategy, you'll join a team where innovation and integrity drive everything we do — and where your work helps shape the future of finance.

Responsibilities:

• Build complex multi-agent AI agents that are highly scalable
• Work with LLMs, embedding models, and Retrieval-Augmented Generation (RAG) system
• Engineer and refine prompts to enhance AI performance and output quality
• Deploy and scale AI solutions using AWS (Lambda, cloud services) and modern architectures
• Ensure AI applications align with ethical standards, data privacy, and real-world scalability
• Develop, fine-tune, and optimize generative AI models using TensorFlow, PyTorch, or Hugging Face

Requirements

• Work with current state of the art LLMs and embedding models
• Experience building agentic AI systems
• Experience with debugging traces of LLM calls to identify errors/optimizations
• Experience with building Retrieval-Augmented Generation (RAG) systems
• Engineer and refine prompts to enhance AI performance and output quality
• Knowledge of extracting structured outputs from LLMs
• Experience using LLM APIs, embedding models, and RAG-based AI architectures
• Strong skills in Python, AI model deployment, and AWS services (Lambda preferred)
• Knowledge of LangChain, Pydantic, and scalable AI workflows
• Proficiency in prompt engineering and optimization techniques
• Some UI/UX experience is a plus

Qualifications

• Minimum 5 years of experience in AI/ML development and data engineering
• Proficiency in programming languages Python
• Strong experience with machine learning frameworks (TensorFlow, PyTorch, Scikit-learn)
• Hands-on experience with data engineering tools like Apache Spark, Apache NiFi, Airflow, or similar
• Expertise in handling large-scale datasets and implementing ETL/ELT pipelines
• Experience with cloud platforms (AWS, Azure) and containerization technologies (Docker, Kubernetes)
• Knowledge of database technologies (SQL, NoSQL, Data Lakes, Data Warehouses)

Preferred Qualifications:

• Experience in NLP, Generative AI, or deep learning models
• Proven track record of deploying AI solutions at scale
• Research background in generative AI models
• Ability to integrate code into real world application
• Understanding AI ethics, bias mitigation, and responsible AI principles
• Prior experience in the financial or banking sector is a plus

Salary Range: $160,000.00 - $200,000.00

Cross River is an Equal Opportunity Employer. Cross River does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.

By submitting your application, you give Cross River permission to email, call, or text you using the contact details provided. We will only contact you with job related information.