Ryan Bahniuk is a Senior Staff Software Engineer with 11 years of experience architecting 0-to-1 systems for high-growth companies, currently leading AI-driven automation and disputes strategy at Chime. He has a strong track record building fraud prevention, authentication, and payment platforms—creating vendor-agnostic device intelligence and step-up authentication systems now patent-pending. Ryan combines hands-on engineering (from SDKs and APIs to ML-driven decisioning and streaming) with organizational leadership, having founded teams, scaled a Chicago engineering office, and mentored hires across Trust & Safety. Notably, he translated 50+ manual workflows used by 2,000+ offshore agents into agentic AI workflows that reduce OpEx while preserving regulatory fidelity. Based in Chicago with a BBA from Notre Dame, he blends product sensibility with pragmatic infrastructure design to turn complex risk and payments problems into scalable, auditable systems.
Contributions:15 commits, 25 PRs, 46 pushes in 1 year 1 month
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Ryan Bahniuk - Senior Staff Software Engineer at Chime