[Remote] Software Engineer, Risk

Note: The job is a remote job and is open to candidates in USA. OnePay is a consumer fintech company that aims to improve the financial system for millions of Americans. As a Software Engineer on the Risk Team, you will build backend services for fraud detection and identity verification, ensuring the security of customer transactions.

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

Skills

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

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

Company Overview

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