Software Engineer, AI (Senior/Staff)

About this role

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 insig...