Machine Learning Engineer

About Coinflow Coinflow is the next-generation payment service provider revolutionizing global financial infrastructure with stablecoins, AI-driven fraud prevention, and instant settlement. Coinflow enables businesses to grow faster with instant settlement, fraud & chargeback indemnity, global pay-ins, multi-currency FX, and unified payouts. Founded in 2023, the company serves marketplaces, fintechs, remittance providers, gaming platforms, and ecommerce merchants worldwide. Since our seed round in 2024, we've achieved 23x revenue growth and scaled to multi-billion-dollar annual transaction volume. In response to this growth, Coinflow announced a $25M Series A in October 2025-led by Pantera Capital, CMT Digital, Coinbase Ventures, Jump Crypto, and Reciprocal Ventures-accelerating our mission to power the world's fastest-moving businesses with innovative, reliable global payments. Coinflow is proudly headquartered in Chicago, IL. Learn more at coinflow.cash. Role Overview: Coinflow is seeking a Machine Learning Engineer to help build the intelligence layer that powers our platform. This is a zero-to-one role. You will be the first dedicated ML hire and will own how data and machine learning are developed and applied across Coinflow. You'll explore large-scale transaction and behavioral data, build models and analytical systems, define what success looks like, and embed intelligence directly into our products and internal tooling. The ideal candidate is deeply curious, excited to experiment, and motivated by building something that does not yet exist. Key Responsibilities:Build and evolve machine learning models and analytical systems that support platform decisioning and product intelligenceEstablish the foundation for data and machine learning practices across the companyDefine, own, and evolve core metrics across platform health, performance, and riskExplore transaction and behavioral data to uncover patterns, signals, and new insightsPartner closely with Engineering, Product, and Operations to turn open-ended problems into real systemsDesign how models and data systems are evaluated, improved, and trusted over timeBuild internal workflows and tooling that support operational and product teamsHelp shape Coinflow's long-term data and machine learning roadmap Required Qualifications:4+ years of experience in machine learning, applied data science, or production ML rolesStrong foundation in machine learning, statistics, and analytical problem solvingExperience building models or data-driven systems that operate in real productsComfort working with ambiguous problems and creating structure where none existsStrong communication skills and experience collaborating cross-functionallyHigh ownership mindset with genuine curiosity about messy, real-world data Preferred Qualifications:Experience building decisioning, optimization, fraud, risk, or other payments systemsExperience in fintech, payments, or other financial services environmentsExperience as an early data/ML hire at a startupExperience working with high-volume behavioral or financial data What We Offer:Competitive compensation including base salary, performance bonus, and meaningful ownershipOpportunity to build the fraud and risk intelligence layer of a rapidly scaling fintech companyCollaborative and innovative work environment with world-class investorsDirect impact on core risk infrastructure and company trajectory during a hypergrowth phase The base salary range for this role is $160,000 to $220,000 USD. The actual base salary offered depends on a variety of factors, including but not limited to experience, education, skills, qualifications and business needs. In addition, the employee who fills this role will be eligible for an equity grant, allowing you to share in the long-term success of the company. You will also have access to a wide array of benefits, including health and wellness benefits, 401(k) savings plan, and flexible time off. Join the team rewriting how money moves worldwide-and become a driving force in the $194 trillion cross-border payments market.