Summary
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.
12 years of coding experience
16 years of employment as a software developer
BBA, BBA at University of Notre Dame