Senior/Staff Machine Learning Engineer

At River we are building the world’s most trusted financial institution to empower people to take ownership of their financial lives through Bitcoin, the world’s only incorruptible digital money. We believe in a future where every person will have bitcoin savings, and every business will have bitcoin on the balance sheet. We obsessively design and build delightful products that help our clients buy, sell, secure, and use Bitcoin.

### What you will be doing - Design, build, and iterate on machine learning models and LLM-based systems that power critical decisions across fraud, compliance, growth, and operations - Work with messy, real-world data to identify signals, build features, and continuously improve model performance - Make practical tradeoffs between model performance, interpretability, and operational cost - Partner closely with product and operations to identify and solve problems that directly impact experience of hundreds of thousands of clients - Contribute to backend systems and data pipelines that support model training and inference (without being primarily an infrastructure role) - Write high-quality, tested code and participate in code reviews - Take long-term ownership of critical systems as River scales

### What we look for in you - 4+ years of experience building and applying machine learning models in real-world settings, or comparable research experience - Strong intuition for ML concepts and how they apply in practice (i.e., tradeoffs) - Experience working on problems involving noisy, imbalanced, or real-world data - You take ownership of systems and are comfortable solving ambiguous problems - You have strong judgment around correctness, reliability, and operational risk - You can translate between technical systems and business/product needs - You're excited about what we are building at River

### Location & Salary - 100% remote option available within the Americas and Europe, with offices in SF, NYC, and Columbus - Salary range between $150,000 - $250,000 based on skills and experience - Significant equity stock options - Medical, Dental and Vision Benefits - Unlimited PTO - Parental Leave separate from regular PTO policy - 401k

Cross River is a financial technology company providing banking-as-a-service (BaaS) solutions, enabling fintechs and brands to offer banking products like payments, lending, and deposit accounts. They partner with financial institutions to deliver compliant, scalable infrastructure for modern financial services.