Monarch Money

Design and build AI features for financial applications, including prompt engineering, system orchestration, and evaluation. | 5+ years in software engineering with 2+ years in production ML/AI systems, strong Python skills, experience with LLMs, and AI evaluation tooling. | About Us: Monarch is a powerful, all-in-one personal finance platform designed to help make the complexity of finances feel simple again. Since launching in 2021, we’ve become the top-recommended personal finance app by users and experts. Our goal? To take the stress out of finances so our members can focus on what truly matters. We are a team of do-ers led by experienced entrepreneurs who are passionate about helping our members reach their financial goals. We are hyper focused on building a product people love and continuing to evolve based on user feedback. As a fully remote company (even before COVID!), we welcome applicants from almost anywhere. Our team collaborates synchronously mostly from 9 AM – 2 PM PT and embraces asynchronous work to stay connected across time zones. Join us on our mission to transform lives by simplifying money, together. The Role: At Monarch, AI is the engine powering intelligent, personalized financial experiences for our users. We're looking for an AI Engineer to design, build, and own the features that help hundreds of thousands of users understand and manage their money. You'll work across the full spectrum of AI development, from prompt engineering and API integrations to building multi-agent systems and fine-tuning language models. You will be a force multiplier for Monarch's product, making critical decisions on everything from our conversational AI architecture to how we evaluate and ship AI features with confidence. You'll collaborate closely with our AI Platform team, who manage the underlying infrastructure, observability, and LLM routing. Your focus will be on the AI application layer: building intelligent features, advancing our ML systems, and ensuring quality through rigorous evaluation. What You'll Do: Apply AI to Real Financial Problems: Use GenAI and ML to help users make sense of their money, whether that's understanding spending patterns, surfacing actionable insights, or automating tedious financial tasks. You'll identify where AI can make a meaningful difference and build solutions that users rely on daily. Choose the Right Tool for Each Problem: Navigate the AI toolkit thoughtfully. Know when a well-crafted prompt suffices, when retrieval systems add value, and when custom models are worth the investment. You'll balance innovation with pragmatism to ship features that work reliably at scale. Ship with Confidence: Leverage and enhance our sophisticated evaluation framework to ensure AI quality. You'll design test datasets, implement new scorers, and use our Braintrust-based eval system to validate changes before they reach users. A Partnership with AI Platform You Own: AI feature development, agent design and orchestration, ML model improvements, evaluation datasets and scorers, prompt engineering, and feature-level quality. AI Platform Owns: LLM routing and provider management, observability and cost attribution, infrastructure reliability, and shared AI services. Together You Own: End-to-end feature quality, evaluation frameworks, production incident response, and AI roadmap priorities. What You'll Bring: 5+ years of experience in software engineering, with at least 2 years focused on building and operating production ML/AI systems. A proven track record of shipping LLM-powered features, with deep, hands-on expertise in prompt engineering, RAG systems, and evaluation techniques. Strong fundamentals in machine learning: embeddings, similarity search, classification, and probabilistic reasoning. Demonstrated experience building and using AI evaluation tooling (e.g., golden sets, rubric scoring, LLM-as-judge). Excellent Python skills and a history of building production-grade AI features and services. Strong collaboration and communication skills with a sharp product sensibility. A strategic mindset, comfortable making build-vs-buy decisions and designing features for long-term reliability. Nice to Haves: Multi-Agent Systems: Designing and building complex LLM orchestration with frameworks like LangGraph, CrewAI, or AutoGen. Fine-Tuning: Hands-on experience with LoRA, RLHF, or full fine-tuning on platforms like Vertex AI. Fintech Domain: Background in personal finance, banking, or data-rich consumer financial applications. Vector Databases: Hands-on experience with OpenSearch, pgvector, Pinecone, or similar at scale. Safety & Evaluation: Experience with red-teaming exercises, adversarial testing, and implementing guardrails. Typical Process: Recruiter Video Call Hiring Manager Video Call Technical Assessment (Live Coding) Virtual Onsite consisting of 3 rounds Reference Checks Offer Benefits : Work wherever you want! As a fully remote company with no central office, we want you to work wherever you are happiest and most productive. Whether that’s out of your home, a co-working space, or elsewhere. Competitive cash and equity compensation in a hyper growth, early stage company 🚀. Stipend to set-up your ideal working environment. Competitive Benefit Plans for employees based on your location (e.g. in the US we offer: Medical, dental and vision benefits and the ability to contribute to a 401k plan). Unlimited PTO. 3 day weekend every month! We take off the “First Friday” every month to focus on rest, recuperation, or just having fun! We are an equal opportunity employer and value diversity. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Develop and operate AI features, manage AI platform components, and ensure quality and reliability of AI services. | Requires 5+ years in software engineering with 2+ years in production ML/AI, deep expertise in prompt engineering, evaluation tooling, and Python. | Job Description: • Apply AI to Real Financial Problems: Use GenAI and ML to help users make sense of their money, whether that's understanding spending patterns, surfacing actionable insights, or automating tedious financial tasks. You'll identify where AI can make a meaningful difference and build solutions that users rely on daily. • Choose the Right Tool for Each Problem: Navigate the AI toolkit thoughtfully. Know when a well-crafted prompt suffices, when retrieval systems add value, and when custom models are worth the investment. You'll balance innovation with pragmatism to ship features that work reliably at scale. • Ship with Confidence: Leverage and enhance our sophisticated evaluation framework to ensure AI quality. You'll design test datasets, implement new scorers, and use our Braintrust-based eval system to validate changes before they reach users. • You Own: AI feature development, agent design and orchestration, ML model improvements, evaluation datasets and scorers, prompt engineering, and feature-level quality. • AI Platform Owns: LLM routing and provider management, observability and cost attribution, infrastructure reliability, and shared AI services. • Together You Own: End-to-end feature quality, evaluation frameworks, production incident response, and AI roadmap priorities. Requirements: • 5+ years of experience in software engineering, with at least 2 years focused on building and operating production ML/AI systems. • A proven track record of shipping LLM-powered features, with deep, hands-on expertise in prompt engineering, RAG systems, and evaluation techniques. • Strong fundamentals in machine learning: embeddings, similarity search, classification, and probabilistic reasoning. • Demonstrated experience building and using AI evaluation tooling (e.g., golden sets, rubric scoring, LLM-as-judge). • Excellent Python skills and a history of building production-grade AI features and services. • Strong collaboration and communication skills with a sharp product sensibility. • A strategic mindset, comfortable making build-vs-buy decisions and designing features for long-term reliability. Benefits: • Work wherever you want! As a fully remote company with no central office, we want you to work wherever you are happiest and most productive. Whether that’s out of your home, a co-working space, or elsewhere. • Competitive cash and equity compensation in a hyper growth, early stage company 🚀. • Stipend to set-up your ideal working environment. • Competitive Benefit Plans for employees based on your location (e.g. in the US we offer: Medical, dental and vision benefits and the ability to contribute to a 401k plan). • Unlimited PTO. • 3 day weekend every month! We take off the “First Friday” every month to focus on rest, recuperation, or just having fun!

Build and evolve web and mobile applications, collaborate with cross-functional teams, and own full-stack features. | Proficiency in React/React Native, Node.js, TypeScript, and experience working in a product-centric, autonomous environment. | About Us: Monarch is a powerful, all-in-one personal finance platform designed to help make the complexity of finances feel simple again. Since launching in 2021, we’ve become the top-recommended personal finance app by users and experts. Our goal? To take the stress out of finances so our members can focus on what truly matters. We are a team of do-ers led by experienced entrepreneurs who are passionate about helping our members reach their financial goals. We are hyper focused on building a product people love and continuing to evolve based on user feedback. As a fully remote company (even before COVID!), we welcome applicants from almost anywhere. Our team collaborates synchronously mostly from 9 AM – 2 PM PT and embraces asynchronous work to stay connected across time zones. Join us on our mission to transform lives by simplifying money, together. The Role: Monarch is hiring Software Engineers (Senior, Staff, and Principal) to join one of our Product Engineering teams. As a key member of our engineering organization, you will help drive the evolution of our web and mobile applications while shaping both our product strategy and engineering culture. This role offers high autonomy, broad ownership, and meaningful influence over our tools, processes, and team dynamics. You’ll work closely with product, design, and cross-functional partners to build exceptional user experiences and deliver features that help people improve their financial lives. Below, you’ll find more information about the teams we’re currently hiring for: • Tracking & Collaboration: The Tracking & Collab team builds features that help users understand their current financial world — transactions, investments, accounts, reports, recurring expenses, retail sync, collaboration, and household management. • Planning & Advice: The Planning & Advice team creates experiences that help users plan ahead and take action — budgets, goals, AI-powered insights, the Monarch Method, and financial guidance tools. • Growth: The Growth team builds product experiences that help Monarch reach more users and guide them toward financial success. They focus on rapid experimentation, A/B testing, improving onboarding, and driving customer engagement and retention. • Aggregation: The Aggregation team owns the experience of connecting banks and financial institutions to Monarch, which allows our users to see your whole financial life in one view. • RevX: Our newest pod at Monarch works on identifying and executing ways to augment our product offering at Monarch. They work on validating and building out zero-to-one user experiences. What You'll Do: • You will play a critical role in growing and evolving our web and mobile app. • You will be more than just a software craftsperson; you will also be a thought partner in building a product, company, and culture we are proud of. • You will have significant input into the processes, rituals, and tools we use in order to create a high performing engineering team. • You will typically work with a lot of autonomy, and be expected to 'own' the full implementation of whatever you work on. What You'll Bring: • You consider yourself a 'product-centric' engineer and take pride in building something people love. • You will typically work with a lot of autonomy, and be expected to 'own' the full implementation of whatever you work on • You're comfortable across the stack—working in Python/Django on the backend and React/React Native on the frontend—to deliver high caliber products to our users. • Working closely with product, design, and frontend teams excites you. You value their input and know how to integrate it into your work. • You're ready to jump into our on-call rotation, addressing any bugs or errors that arise with a calm, problem-solving mindset. • Sharing your knowledge and helping your team grow is something you're passionate about. You believe in the power of good documentation and effective mentoring. Typical Process: • Recruiter Video Call • Hiring Manager Video Call • Technical Assessment • Virtual “onsite” round consisting of 2-3 rounds • Reference Checks • Offer! #LI-DNI Benefits : • Work wherever you want! As a fully remote company with no central office, we want you to work wherever you are happiest and most productive. Whether that’s out of your home, a co-working space, or elsewhere. • Competitive cash and equity compensation in a hyper growth, early stage company 🚀. • Stipend to set-up your ideal working environment. • Competitive Benefit Plans for employees based on your location (e.g. in the US we offer: Medical, dental and vision benefits and the ability to contribute to a 401k plan). • Unlimited PTO. • 3 day weekend every month! We take off the “First Friday” every month to focus on rest, recuperation, or just having fun! We are an equal opportunity employer and value diversity. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Own and scale organic content strategy to drive business objectives, monitor SEO performance, collaborate cross-functionally, and optimize content for emerging AI platforms. | 3-5+ years of web content creation and SEO management experience, proficiency with SEO tools, CMS, strong communication and analytical skills, and ability to manage multiple priorities. | About Us: Monarch is a powerful, all-in-one personal finance platform designed to help make the complexity of finances feel simple again. Since launching in 2021, we’ve become the top-recommended personal finance app by users and experts. Our goal? To take the stress out of finances so our members can focus on what truly matters. We are a team of do-ers led by experienced entrepreneurs who are passionate about helping our members reach their financial goals. We are hyper focused on building a product people love and continuing to evolve based on user feedback. As a fully remote company (even before COVID!), we welcome applicants from almost anywhere. Our team collaborates synchronously mostly from 9 AM – 2 PM PT and embraces asynchronous work to stay connected across time zones. Join us on our mission to transform lives by simplifying money, together. The Role: Monarch is seeking a SEO Manager to join our Marketing team during a period of hyper-growth. Reporting directly to the Head of Search and Affiliate, you will own and scale organic content across both traditional search engines and emerging platforms (like ChatGPT). This role blends editorial excellence with performance marketing. You will deliver content that drives conversions while working cross-functionally with product and engineering to amplify its impact. What You’ll Do: • Own the organic content strategy to support business objectives through new content and updating existing content. • Monitor rankings and algorithm updates to develop testing calendar. • Partner with internal stakeholders to ensure website structure supports organic search efforts. • Track and report on business and diagnostic KPIs. • Expand organic reach beyond traditional search by optimizing content for discovery engines like ChatGPT and other AI assistants. What You’ll Bring: • 3-5+ years creating web content and managing a content calendar • Strong understanding of on-page SEO, keyword research and search intent • Proven experience driving organic search traffic through iterative testing • Proficiency with Ahrefs, SEMRush, ScreamingFrog, Google Search Console and web analytics • Familiarity with updating websites via a CMS and basic HTML • Strong verbal and written communication, Cross-functional collaboration, Analytical and Problem solving skills, Ability to manage multiple priorities, Self-motivated and Pro-active Nice to Have’s: • Experience optimizing app store listings. • Understanding of CRO and how content contributes to • Experience with off-page SEO • Experience in fintech vertical or high growth startup environment Typical Process (May vary depending on role): • Recruiter Video Call • Hiring Manager Video Call • Head of Growth Video Call • Take Home Assignment • Final Assessment Video Call • Reference Checks • Offer! Benefits : • Work wherever you want! As a fully remote company with no central office, we want you to work wherever you are happiest and most productive. Whether that’s out of your home, a co-working space, or elsewhere. • Competitive cash and equity compensation in a hyper growth, early stage company 🚀. • Stipend to set-up your ideal working environment. • Competitive Benefit Plans for employees based on your location (e.g. in the US we offer: Medical, dental and vision benefits and the ability to contribute to a 401k plan). • Unlimited PTO. • 3 day weekend every month! We take off the “First Friday” every month to focus on rest, recuperation, or just having fun! We are an equal opportunity employer and value diversity. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.