Staff Machine Learning Engineer, Financial Connections

Financial Connections is Stripe's open banking platform, enabling businesses to securely access consumer-permissioned financial data. Our platform connects to thousands of financial institutions, powering use cases from account verification to risk assessment to personal financial management. Across the Financial Connections Engineering org, we focus on delivering high-quality, enriched bank data at scale — building the ML systems that transform raw financial data into actionable signals for both internal Stripe teams and external merchants. Our ML work spans transaction categorization, risk scoring, data enrichment, and the development of intelligent systems that improve data quality across our network. We operate at the intersection of fintech infrastructure and applied machine learning, solving problems that directly impact Stripe's ability to serve millions of businesses and consumers.

Responsibilities

• Design, build, train, evaluate, deploy, and own ML models in production that improve transaction categorization, risk scoring, and data enrichment across Financial Connections
• Design and build large-scale ML systems that operate on diverse financial data from thousands of institutions
• Experiment and iterate on ML models (using tools such as PyTorch, TensorFlow, XGBoost) to achieve key business goals around data quality and accuracy
• Develop pipelines and automated processes to train and evaluate models in offline and online environments
• Integrate ML models into production systems and ensure their scalability and reliability
• Collaborate with product, data science, and engineering partners across Stripe to identify opportunities where ML can improve outcomes for merchants and consumers
• Engage with the latest ML/AI developments and take calculated risks in transforming innovative ideas into productionized solutions
• Mentor engineers and contribute to a strong ML engineering culture within the team

Requirements

• 10+ years of industry experience building and shipping ML systems in production
• Proficient with ML libraries and frameworks such as PyTorch, TensorFlow, XGBoost, as well as Spark
• Hands-on experience in designing, training, and evaluating machine learning models
• Hands-on experience in productionizing and deploying models at scale
• Hands-on experience in orchestrating data pipelines and efficiently leveraging large-scale datasets
• Strong collaboration skills and the ability to work across teams and contribute to peers' success
• Ability to thrive with a high level of autonomy and responsibility and an entrepreneurial mindset

Qualifications

• MS or PhD degree in ML/AI or a related field (e.g., math, physics, statistics, computer science)
• Experience in fintech, open banking, or financial data domains
• Experience with NLP, LLMs, or text classification at scale
• Experience in adversarial or noisy-data domains such as fraud detection, risk modeling, or data quality
• Proven track record of building and deploying ML systems that have effectively solved ambiguous business problems
• Experience with deep learning architectures, including transformers

Schedule

This role is available either in an office or a remote location (35+ miles or 56+ km from a Stripe office).

• In-office expectations: Office-assigned Stripes spend at least 50% of the time in a given month in their local office or with users. This balances in-person collaboration and flexibility.
• Working remotely at Stripe: A remote location is defined as being 35 miles (56 kilometers) or more from one of our offices. While you may come into the office for team/business meetings, on-sites, meet-ups, and events, the expectation is you would regularly work from home rather than a Stripe office. Stripe does not cover the cost of relocating to a remote location.

Pay

The annual US base salary range for this role is $253,500 - $380,300. For sales roles, the range provided is the role’s On Target Earnings ("OTE") range, meaning that the range includes both the sales commissions/sales bonuses target and annual base salary for the role. This salary range may be inclusive of several career levels at Stripe and will be narrowed during the interview process based on a number of factors, including the candidate’s experience, qualifications, and location. Applicants interested in this role and who are not located in the US may request the annual salary range for their location during the interview process.

Benefits

• Equity
• Company bonus or sales commissions/bonuses
• 401(k) plan
• Medical, dental, and vision benefits
• Wellness stipends