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Software Engineer, Risk

OnePay· Engineering
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Remote$130k - $160kFull-timePosted 11mo ago

About the role

Software Engineer on the Risk team focused on building backend services and APIs for real-time risk, fraud detection, and compliance across a highly distributed fintech platform.

Responsibilities

  • 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.

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.
  • Experience working with risk, fraud, or compliance systems is a plus.
  • Drive and proactivity – everyone here is a builder and executor.

Skills

Required:Backend engineeringCloud infrastructureAPI design
Nice to have:Risk/Compliance systems

Benefits

  • Competitive base salary, stock options, and health benefits from Day 1
  • 401(k) plan with company match
  • Remote-friendly (US), flexible time off (FTO), and opportunities for growth
  • A high-growth, mission-driven, inclusive culture where your work has real impact
Last updated Oct 8, 2026. Interested? Apply on the company site.
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About OnePay

More. For your money.

OnePay combines mobile banking, debit rewards, a digital wallet and more in one app. Banking services provided by bank partners, Members FDIC.

mobile bankingdigital walletdebit rewardscredit builderpay latercash rewards
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