Who We Are

Cross River builds the infrastructure behind the world’s most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively — trusted by leading fintechs, enterprises, and disruptors across the globe.

Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker’s Best Places to Work in Fintech year after year. Whether you’re designing code, solving regulatory puzzles, or developing strategy, you’ll join a team where innovation and integrity drive everything we do — and where your work helps shape the future of finance.

Responsibilities:

• Build complex multi-agent AI agents that are highly scalable
• Work with LLMs, embedding models, and Retrieval-Augmented Generation (RAG) system
• Engineer and refine prompts to enhance AI performance and output quality
• Deploy and scale AI solutions using AWS (Lambda, cloud services) and modern architectures
• Ensure AI applications align with ethical standards, data privacy, and real-world scalability
• Develop, fine-tune, and optimize generative AI models using TensorFlow, PyTorch, or Hugging Face

Requirements:

• Work with current state of the art LLMs and embedding models
• Experience building agentic AI systems
• Experience with debugging traces of LLM calls to identify errors/optimizations
• Experience with building Retrieval-Augmented Generation (RAG) systems
• Engineer and refine prompts to enhance AI performance and output quality
• Knowledge of extracting structured outputs from LLMs
• Experience using LLM APIs, embedding models, and RAG-based AI architectures
• Strong skills in Python, AI model deployment, and AWS services (Lambda preferred)
• Knowledge of LangChain, Pydantic, and scalable AI workflows
• Proficiency in prompt engineering and optimization techniques
• Some UI/UX experience is a plus

Qualifications:

• Minimum 5 years of experience in AI/ML development and data engineering
• Proficiency in programming languages Python
• Strong experience with machine learning frameworks (TensorFlow, PyTorch, Scikit-learn)
• Hands-on experience with data engineering tools like Apache Spark, Apache NiFi, Airflow, or similar
• Expertise in handling large-scale datasets and implementing ETL/ELT pipelines
• Experience with cloud platforms (AWS, Azure) and containerization technologies (Docker, Kubernetes)
• Knowledge of database technologies (SQL, NoSQL, Data Lakes, Data Warehouses)

Preferred Qualifications:

• Experience in NLP, Generative AI, or deep learning models
• Proven track record of deploying AI solutions at scale
• Research background in generative AI models
• Ability to integrate code into real world application
• Understanding AI ethics, bias mitigation, and responsible AI principles
• Prior experience in the financial or banking sector is a plus

#LI-JJ1 #LI-Onsite

Salary Range: $160,000.00 - $200,000.00

Who We Are

Cross River builds the infrastructure behind the world’s most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively — trusted by leading fintechs, enterprises, and disruptors across the globe.

Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker’s Best Places to Work in Fintech year after year. Whether you’re designing code, solving regulatory puzzles, or developing strategy, you’ll join a team where innovation and integrity drive everything we do — and where your work helps shape the future of finance.

Responsibilities:

• Architect & Maintain: Lead the design, architecture, and enhancement of our LLM-based platform. You will be responsible for high-level technical decisions regarding the python or Node.js and React ecosystem.
• Technical Strategy & Collaboration: Work closely with product managers and stakeholders to translate business vision into scalable technical requirements. Lead cross-functional alignment between engineering teams.
• System Performance: Architect applications for extreme speed and reliability. Own the strategies for scaling to handle high traffic and complex real-time data processing.
• Security Leadership: Design and oversee robust authentication and authorization frameworks (Identity Server, OAuth2, OpenID Connect). Ensure the platform meets enterprise-grade security standards for data protection.
• Engineering Excellence: Set the standard for clean, maintainable, and testable code. Lead rigorous code reviews and establish "best practice" guidelines for the entire engineering team.
• Mentorship & Team Growth: Actively mentor junior and mid-level developers. Drive a culture of technical growth, peer learning, and collaborative problem-solving.
• AI Innovation: Stay at the bleeding edge of AI/LLM trends. Beyond application, you will evaluate and integrate emerging tools to enhance product intelligence.
• Operational Reliability: Lead the troubleshooting of complex, systemic issues across the stack. Implement proactive monitoring to ensure high availability.

Qualifications:

• Experience: 4+ years of professional software development experience, with a proven track record of leading complex full-stack projects.
• Front-End Leadership: Solid knowledge of React, modern JavaScript (ES6+), and state management patterns at scale.
• Backend & Architecture: Python or Node.js, Express.js, and designing scalable Microservices architectures.
• Database Mastery: Advanced experience with SQL and NoSQL databases, including performance tuning and schema design for high-load environments.
• AWS Infrastructure: Hands-on experience architecting on AWS (DynamoDB, S3, RDS, Lambda, and API Gateway). Knowledge of Infrastructure as Code (Terraform/CDK) is a plus.
• Process Excellence: Deep understanding of TDD, CI/CD pipelines, and Agile/Scrum leadership.
• Advanced Problem Solving: Ability to debug problems across distributed systems and optimize bottlenecks in real-time data flows.
• Soft Skills: Great communicator with the ability to influence technical direction and manage stakeholder expectations.
• LLM/AI experience: Professional experience or deep technical projects involving Large Language Models, Prompt Engineering, or RAG (Retrieval-Augmented Generation) workflows.

#LI-JJ1 #LI-Onsite

Salary Range: $160,000.00 - $200,000.00

Who We Are

Cross River builds the infrastructure behind the world’s most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively — trusted by leading fintechs, enterprises, and disruptors across the globe.

Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker’s Best Places to Work in Fintech year after year. Whether you’re designing code, solving regulatory puzzles, or developing strategy, you’ll join a team where innovation and integrity drive everything we do — and where your work helps shape the future of finance.

What We're Looking For

The AI Transformation Manager reports to the Chief Data and AI Officer and plays a critical role in driving Cross River’s AI-led transformation and commercialization strategy. This position is responsible for orchestrating the end-to-end implementation of AI initiatives across the enterprise—bridging strategy, productization, compliance, and delivery to ensure measurable business impact. The ideal candidate combines deep expertise in AI/ML program management with a pragmatic understanding of financial services and regulatory environments.

Responsibilities:

Strategy & Governance

• Define and manage the AI Transformation roadmap, ensuring alignment with Cross River’s strategic objectives, regulatory standards, and innovation priorities.
• Partner with business, data, and technology leaders to identify AI-driven opportunities for efficiency, risk management, and new revenue models.
• Establish a governance framework for AI projects, including evaluation metrics, responsible AI principles, and lifecycle management.
• Oversee commercialization of AI capabilities, enabling scalable deployment of internal tools and potential external monetization opportunities.

Program Execution & Delivery

• Lead the planning, coordination, and execution of AI initiatives across multiple business domains—banking, lending, risk, compliance, and customer experience.
• Develop and maintain a portfolio management system for all AI programs, ensuring transparency on timelines, costs, dependencies, and outcomes.
• Ensure data readiness and model governance across all AI deployments in close partnership with data engineering and compliance teams.
• Track and report on transformation metrics, including adoption, ROI, and productivity gains.

Collaboration & Change Management

• Partner with product, engineering, operations, and risk teams to embed AI solutions into enterprise workflows.
• Drive organizational change management to enable smooth adoption of AI technologies, ensuring training and alignment across teams.
• Serve as a liaison between business and technical teams, translating complex AI capabilities into actionable business insights.
• Promote a culture of responsible AI innovation that balances experimentation with ethical standards and risk management.

Commercialization & Market Enablement

• Identify opportunities to externalize AI capabilities through partnerships, APIs, and new product lines.
• Collaborate with external vendors, startups, and research organizations to expand the bank’s AI ecosystem.
• Support the Chief Data and AI Officer in defining AI monetization strategies and evaluating go-to-market models.

Basic Qualifications:

• 10+ years of experience in technology, analytics, or transformation roles, with at least 5 years in AI/ML program or product management.
• Proven experience leading cross-functional AI initiatives from conception through implementation in a regulated industry (preferably financial services, fintech, or banking).
• Strong understanding of AI platforms, MLOps, model governance, and data management frameworks.
• Experience managing stakeholder engagement, budgets, and vendor relationships for large-scale transformation programs.
• Exceptional ability to translate technical AI concepts into business outcomes and communicate effectively at all organizational levels.

Preferred Qualifications:

• Master’s degree in Business, Data Science, Engineering, or a related field.
• Prior experience applying AI solutions in regulated environments, such as banking, healthcare, or insurance.
• Familiarity with AI governance frameworks, including bias mitigation, interpretability, and model monitoring.
• Experience in commercialization or business development related to AI-driven products or services.
• PMP, Agile, or equivalent program management certification preferred.

Leadership & Impact:

The ideal candidate will demonstrate a track record of driving complex, multi-stakeholder AI initiatives, combining visionary thinking with disciplined execution. They will be a trusted advisor to the Chief Data and AI Officer and a change leader influencing how AI transforms Cross River’s core business and innovation strategy.

#LI-JJ1 #LI-Hybrid #LI-Onsite

Salary Range: $170,000.00 - $200,000.00