Software Engineer, Risk

The role

You will build resilient backend services for fraud detection, identity verification, and transaction monitoring. You will also develop APIs and partner with product managers to design systems that protect customer accounts.

What you will do

• Build resilient backend services that power fraud detection, identity verification, and transaction monitoring at scale.
• Develop, test, and maintain backend services and APIs that enable real-time risk and fraud prevention.
• Partner with product managers, and other engineers to design and deploy systems that protect customer accounts and transactions.
• Implement integrations with third-party risk and compliance platforms, ensuring seamless and secure data flows.
• Contribute to architectural decisions that balance scale, security, and reliability across sensitive financial systems.
• Build clear documentation to support collaboration, transparency, and operational excellence.

Required qualifications

• 3+ years of professional experience in backend engineering, ideally within fintech, payments, or external customer facing systems.
• Proficiency in building and maintaining APIs, microservices, and distributed systems.
• Familiarity with cloud infrastructure (AWS, Kubernetes, or similar) and database technologies.
• Drive and proactivity

Nice to have

• Experience working with risk, fraud, or compliance systems

Benefits

• Competitive base salary
• Stock options
• Health benefits from Day 1
• 401(k) plan with company match
• Flexible time off (FTO)

Before you apply

• AI-assisted initial screen
• Interview with Talent Partner
• Technical or Hiring Manager Interview
• Team Interview
• Executive Interview

About the company

OnePay is a consumer fintech platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto. It is backed by Walmart and Ribbit Capital.