Senior AI/ML Engineer

| San Francisco
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ABOUT VARO

Varo is an entirely new kind of bank. All digital, mission driven, FDIC insured, and designed for the way our customers live their lives.

We're on a mission to bring financial inclusion and opportunity to all hard-working Americans. Through our mobile app, we offer premium bank accounts that have no minimum balance requirement or monthly account fees, high-interest savings accounts, short term lending and solutions to help customers stretch their paycheck, build credit and start saving. Our tech-first products are designed to make money work for everyone and help customers and communities build greater financial resiliency.

Varo is distinct from other fintechs: we've made history as the first and only consumer fintech to be granted a full national bank charter by the Office of the Comptroller of the Currency (OCC).

Varo Bank represents the evolution of a new generation of banks that are born from innovation and built on technology to empower consumers and businesses.

Our team combines the best of both consumer tech and banking, and we’re wildly passionate about helping our customers. Our teams are based in San Francisco and Salt Lake City. Privately held, we've raised over $450M to date from leading institutional investors and strategic partners including Warburg Pincus, The Rise Fund / TPG Growth, Gallatin Point Capital, Harbourvest Partners, and Progressive Insurance.

Varo is entrepreneurial, collaborative, enthusiastic, customer-oriented, fast-paced, and multicultural. This is an open and relatively flat organization that puts an emphasis on collaboration, sharing ideas and information. For a relatively early stage company, Varo is grounded in a strong set of values and takes pride in the diversity of its employees and board. 

ABOUT THE AI/ML TEAM

The Artificial Intelligence and Machine Learning (AI/ML) team at Varo is a passionate team driven to help people improve their financial lives with modern state of the art AI and ML technology. A lot of our services are implemented in Python and Java/Kotlin. We are building a scalable ML platform with key pieces of our ML infrastructure such as a centralized feature store and model service with explainability (xAI) embedded into it. If you are looking for a growth opportunity, come join us! We are driven by building products that will help improve the financial well-being of our customer’s lives. We value collaboration, ownership, growth, initiative, and the importance of thinking like an engineer with the curiosity of an applied scientist.

ABOUT THIS ROLE

As a Senior AI/ML Engineer you will play a key role in all aspects of building, deploying, and monitoring of fraud & risk related ML models based on applied science while contributing to the execution of building an AI/ML platform.

WHAT YOU'LL DO

  • Work on a modern cloud-based, event-driven microservice architecture. 
  • Build and deploy production-ready secure code that is high quality, robust, efficient, and maintainable
  • Scope and build libraries and services for the AI & ML team
  • Leverage software engineering and design best practices
  • Evangelize reliability, documentation, and software engineering best practices to the engineering organization
  • Mentor junior team members, help maintain and improve testing methodologies and documentation
  • Work in a cross-functional capacity with the risk & fraud, product, and business stakeholders
  • build and deploy state of the art ML models that detect fraudulent activity in real-time & reduce false positives
  • use every dataset* at disposal to engineer new features/embeddings for risk and fraud
  • use biometric and device information to detect malicious logins, RDC returns and account takeover (ATO), anomaly detection

SKILLS AND EXPERIENCES THAT'LL HELP YOU BE GREAT

  • 10 years of software experience with 3+ years of deploying machine learning models to production is required
  • Having 2+ years of experience in building & deploying fraud & risk ML models is a big plus.
  • Strong development experience with Python is a must along with ML libraries (numpy, scikit learn, tensorflow)
  • Some familiarity with Java or Kotlin is also preferred
  • Familiarity with Amazon Web Services is a must(experience with Sagemaker is a plus)
  • Experience with Apache Kafka, Spark and building event-based ML systems
  • Experience in SQL, Redshift and database optimization
  • Proven ability to thrive in a fast-moving, team-oriented, startup environment
  • Experience with Kubeflow, Jupyter Notebook, Katib, Airflow, Argo
  • Experience with one of the deep learning frameworks such as Tensorflow or Pytorch
  • experience with adversarial Machine Learning techniques is a huge plus 

CULTURAL ALIGNMENT

Varo is entrepreneurial, collaborative, enthusiastic, customer-oriented, fast-paced, and multicultural. This is an open and relatively flat organization that puts an emphasis on collaboration, sharing ideas and information. For a relatively early stage company, Varo is grounded in a strong set of values and takes pride in the diversity of its employees. 

OUR CORE VALUES

Customers First: Understand the problems our customers are trying to solve. Respond with a sense of urgency. Build relationships that result in loyalty. Be data and insights-driven. Test everything. Achieve results through strong execution. Build a product people love. Assess new initiatives with the customers’ interest in mind. Act with empathy. 

Take Ownership: Bias towards action. Have high standards. Be accountable for the results of your work, our product, our company. Trust others to own it.

Respect: Treat others how you want to be treated. Listen first before being heard. Speak the truth even when it's not easy. Assume best intentions. Bring your full self to work.

Stay Curious: Ask why. Dare to make things better. Learn something new each day (even from mistakes). Be open to growth. Develop creative solutions.

Make it Better: Think big. Set high goals. Work towards long term value rather than short term wins. Create change. Be resilient.

Varo is an equal opportunity employer. Varo embraces diversity and we are committed to building teams that represent a variety of backgrounds, perspectives, and skills. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

Learn more about Varo by following us:

Facebook - https://www.facebook.com/varomoney

Instagram - www.instagram.com/varobank

LinkedIn - https://www.linkedin.com/company/varobank

Twitter - https://twitter.com/varobank

Engineering Blog - https://medium.com/engineering-varo

SoundCloud - https://soundcloud.com/varobank

Beware of fraudulent job postings!

Varo will never ask for payment to process documents, refer you to a third party to process applications or visas, or ask you to pay costs. Never send money to anyone suggesting they can provide work with Varo. If you suspect you have received a phony offer, please e-mail [email protected] with the pertinent information and contact information.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

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Location

222 Kearny St, San Francisco, CA 94108

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