Your opportunity

At Schwab, you will build a rewarding career while making a difference in the lives of our millions of clients. Here, innovative thinking meets creative problem solving as we work together to challenge the status quo. We believe in the power of collaboration and value being together in the office, which is why this role is based on-site in our San Francisco office. Joining Schwab means joining a company committed to transforming the financial industry and putting clients at the center of everything we do.

Schwab’s AI Strategy & Transformation team, known as AI.x, is the central hub for Artificial Intelligence at Schwab. We are an integrated product, engineering, strategy and risk team, all based in San Francisco. We help set the enterprise vision for AI, invest in the most promising opportunities, and accelerate delivery across the company. We also build the core platform that powers AI at scale and explore next-generation GenAI efforts that will redefine how we serve our clients. As an AI Researcher on AI.x, you will play a key role in bringing these priorities to life by advancing cutting-edge AI research and developing innovative solutions.

This role is more than a research position. It is an opportunity to join a high-profile team shaping Schwab’s future with AI, to create research that matters to millions of clients, and to grow your career in one of the most exciting areas of technology today.

As an AI Researcher, you will design, investigate, and develop novel AI models and algorithms that enhance client experience and create business value. You will work closely with architects, engineers, and business leaders to align research efforts with Schwab’s enterprise strategy. You will mentor and coach junior researchers, helping to build strong scientific practices and foster a culture of continuous learning. You will lead by example in tackling complex technical challenges, advancing research standards, and driving rapid experimentation from concept to application. Above all, you will bring curiosity, creativity, and technical depth to help shape the next generation of AI at Schwab.

What you have

Required Qualifications: 

• A master’s or other advanced degree in Computer Science, Mathematics, Physics or related field, or equivalent industry experience
• 7+ years of experience in AI / ML research and development using Python
• 7+ years of experience building data pipelines and data analyses that interface with large datasets
• 3 + years of experience using AI models to deliver business value
• Advanced expertise in machine learning, natural language processing, and / or generative AI

Preferred Qualifications: 

• Strong data science fundamentals, including using SQL, Python data frames (e.g. pandas) and in data visualization using Python
• Strong computer science fundamentals, including experience writing unit tests
• Experience working with LLMs and shipping LLM-powered applications to production
• Ability to solve complex problems with ambiguous or incomplete data
• Experience working with and mentoring engineers, through presentations, clear feedback and code reviews
• Curiosity about new technologies and processes – you always seek to improve yourself and everyone around you and proactively seek and share knowledge with others on your team
• Strong communication skills – you balance written and verbal communication to clearly share your perspective with others on the team
• Demonstrated mindset of continuous learning and improvement
• Demonstrated business domain knowledge related to all products you have worked on

In addition to the salary range, this role is also eligible for bonus or incentive opportunities. 

What’s in it for you

At Schwab, you’re empowered to shape your future. We champion your growth through meaningful work, continuous learning, and a culture of trust and collaboration—so you can build the skills to make a lasting impact. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis.

We offer a competitive benefits package that takes care of the whole you – both today and in the future:

• 401(k) with company match and Employee stock purchase plan
• Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions
• Paid parental leave and family building benefits
• Tuition reimbursement
• Health, dental, and vision insurance