Software Engineer, Risk

About the role

ABOUT ONEPAY

OnePay is the consumer fintech trusted by millions of Americans to make money better.

Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast.

We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers.

We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining.

But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are:

- Ready to run

- Hungry and driven by urgency

- Exceptional at what they do, with low ego

- Comfortable operating in motion

THE ROLE

As a Software Engineer on the Risk team, your work will directly impact the systems that protect our customers and company. You will:

- 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.

YOU BRING

- 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.

TOOLS WE USE

We use Typescript front to back, with node and NestJS frameworks for server code and React Native for our iOS, Android, and Web clients. We run on a highly distributed cloud-native stack with Kubernetes and AWS, and scale and resiliency are at the heart of everything we build. We also embrace agentic development, so engineers have their choice of a variety of models and agent harnesses, including Claude Code, Cursor, Codex, and more to fit their workflow. While you don't need experience with our exact stack, familiarity with modern software engineering practices will help you ramp up quickly.